# EDGAR Filing Document

**Accession Number:** 0002071659
**File Stem:** 0001539497-25-001644
**Filing Date:** 2025-6
**Character Count:** 3965917
**Document Hash:** 4ee0fd8f2c2122f83a6c02c0f9baa6fe
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-25-001644.hdr.sgml**: 20250616

**ACCESSION NUMBER**: 0001539497-25-001644

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

**PUBLIC DOCUMENT COUNT**: 91

**CONFORMED PERIOD OF REPORT**: 20250616

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

**FILED AS OF DATE**: 20250616

**DATE AS OF CHANGE**: 20250616

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ABF Residential Funding 1 Depositor LLC
- **CENTRAL INDEX KEY:** 0002071659

**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:** 025-07787
- **FILM NUMBER:** 251051220

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ABF Residential Funding 1 Depositor LLC
- **CENTRAL INDEX KEY:** 0002071659

**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:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ABF Residential Funding 1 Depositor LLC
- **CENTRAL INDEX KEY:** 0002071659

**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:** 251 LITTLE FALLS DRIVE
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 9497206000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER REPORT**

**PURSUANT TO SECTION 15G OF THE**

**SECURITIES EXCHANGE ACT OF 1934**

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

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

Date of Report (Date of earliest event reported) ______________________

Commission File Number of securitizer: ______________________

Central Index Key Number of securitizer: ______________________

  <br> Name and telephone number, including area code, of the person to 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) [ ]

<u><u>X</u></u> Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0002071659 (ABF Residential Funding 1 Depositor LLC)

<u>BRAVO Residential Funding Trust 2025-NQM6</u> <br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): ______________________

Central Index Key Number of underwriter (if applicable): ______________________

<u>Michael Chiao, Authorized Person, 949-720-6974</u> <br> Name and telephone number, including area code, of the person to contact in connection with this filing

**INFORMATION TO BE INCLUDED IN THE REPORT:**

---

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

---

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as an Exhibit to this Form ABS-15G. Please see Item 3, Exhibits 99.1, 99.2, 99.3, 99.4, 99.5, 99.6, 99.7, 99.8 and 99.9 for the related information.

**Item 3.** **Exhibits**

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

Schedule 1— Narrative

Schedule 2— Lease Securitization Reports – Exceptions and Grades Report

Schedule 3— Lease Securitization Reports – Exceptions Grades Report

Schedule 4— Lease Securitization Reports – Valuation Report

Schedule 5— Lease Securitization Reports – Data Compare Report

Schedule 6— Credit Compare Securitization Reports – Exceptions and Grades Report

Schedule 7— Credit Compare Securitization Reports – Exceptions Grades Report

Schedule 8— Credit Compare Securitization Reports – Valuation Report

Schedule 9— Credit Compare Securitization Reports – Data Compare Report

99.2 Disclosures required by Rule 15Ga-2 for Clarifii LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data Extract Report

Schedule 3— Business Purpose Supplement Report

Schedule 4— Rating Agency Grades Detail Report

Schedule 5— Rating Agency Grades Summary Report

Schedule 6— Valuation Report

Schedule 7— ATR or QM Report

Schedule 8— Data Compare Report

99.3 Disclosures required by Rule 15Ga-2 for Clayton Services LLC

Schedule 1— Narrative

Schedule 2— Conditions Report — Conditions Summary

Schedule 3— Conditions Report — Conditions Detail

Schedule 4— Conditions Report — Loan Grades

Schedule 5— Standard Upload

Schedule 6— Non-ATR QM

Schedule 7— Rating Agency ATR QM

Schedule 8— Valuations Summary

Schedule 9— Waived Conditions Report

Schedule 10— Loan Level Tape Compare

99.4 Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc.

Schedule 1— Narrative

Schedule 2— Due Diligence Standard Report

Schedule 3— Supplemental Report

Schedule 4— Rating Agency Grades Summary Report

Schedule 5— Valuations Report

Schedule 6— Data Compare Report

99.5 Disclosures required by Rule 15Ga-2 for Evolve Mortgage Services

Schedule 1— Narrative

Schedule 2— Rating Agency Grades

Schedule 3— Exception Detail

Schedule 4— Valuation Report

Schedule 5— Data Compare

Schedule 6— QM ATR Data

Schedule 7— Business Purpose Data

99.6 Disclosures required by Rule 15Ga-2 for Selene Diligence LLC

Schedule 1— Narrative

Schedule 2— Rating Agency Grades Summary Report

Schedule 3— Standard Findings Report

Schedule 4— Valuation Report

Schedule 5— Rating Agency Multi-Property Valuation Report

Schedule 6— MLS Report

Schedule 7— Supplemental Data Extract Report

Schedule 8— Multi-Property Extract Report

Schedule 9— Business Purpose Supplemental Extract Report

Schedule 10— Data Compare Report

99.7 Disclosures required by Rule 15Ga-2 for Maxwell Diligence Solutions, LLC

Schedule 1— Narrative

Schedule 2— Standard Exceptions Report

Schedule 3— Grading Report

Schedule 4— Valuation Report

Schedule 5— Supplemental Data

Schedule 6— Business Purpose Supplement

Schedule 7— Data Compare Report

99.8 Disclosures required by Rule 15Ga-2 for Digital Risk, LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data

Schedule 3— DD Standard – DI Report

Schedule 4— Rating Agency Report

Schedule 5— Valuation Report

Schedule 6— Additional Data – Due Diligence

Schedule 7— NonQM Supplemental Report

Schedule 8— Exception Report

99.9 Disclosures required by Rule 15Ga-2 for Infinity IPS, Inc.

Schedule 1— Narrative

Schedule 2— Rating Agency Grade

Schedule 3— Loan Level Exception

Schedule 4— Individual Exception

Schedule 5— Valuation

Schedule 6— Data Compare

Schedule 7— Supplemental Data

**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: June 16, 2025

---

| | | |
|:---|:---|:---|
| **ABF Residential Funding 1 Depositor LLC** | **ABF Residential Funding 1 Depositor LLC** | **ABF Residential Funding 1 Depositor LLC** |
| (Securitizer) | (Securitizer) | (Securitizer) |
| By:<u> </u> | /s/ Michael Chiao | /s/ Michael Chiao |
|  | Name: | Michael Chiao |
|  | Title: | Authorized Person |

---

**EXHIBIT INDEX**

**Exhibit Number**

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

Schedule 1— Narrative

Schedule 2— Lease Securitization Reports – Exceptions and Grades Report

Schedule 3— Lease Securitization Reports – Exceptions Grades Report

Schedule 4— Lease Securitization Reports – Valuation Report

Schedule 5— Lease Securitization Reports – Data Compare Report

Schedule 6— Credit Compare Securitization Reports – Exceptions and Grades Report

Schedule 7— Credit Compare Securitization Reports – Exceptions Grades Report

Schedule 8— Credit Compare Securitization Reports – Valuation Report

Schedule 9— Credit Compare Securitization Reports – Data Compare Report

99.2 Disclosures required by Rule 15Ga-2 for Clarifii LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data Extract Report

Schedule 3— Business Purpose Supplement Report

Schedule 4— Rating Agency Grades Detail Report

Schedule 5— Rating Agency Grades Summary Report

Schedule 6— Valuation Report

Schedule 7— ATR or QM Report

Schedule 8— Data Compare Report

99.3 Disclosures required by Rule 15Ga-2 for Clayton Services LLC

Schedule 1— Narrative

Schedule 2— Conditions Report — Conditions Summary

Schedule 3— Conditions Report — Conditions Detail

Schedule 4— Conditions Report — Loan Grades

Schedule 5— Standard Upload

Schedule 6— Non-ATR QM

Schedule 7— Rating Agency ATR QM

Schedule 8— Valuations Summary

Schedule 9— Waived Conditions Report

Schedule 10— Loan Level Tape Compare

99.4 Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc.

Schedule 1— Narrative

Schedule 2— Due Diligence Standard Report

Schedule 3— Supplemental Report

Schedule 4— Rating Agency Grades Summary Report

Schedule 5— Valuations Report

Schedule 6— Data Compare Report

99.5 Disclosures required by Rule 15Ga-2 for Evolve Mortgage Services

Schedule 1— Narrative

Schedule 2— Rating Agency Grades

Schedule 3— Exception Detail

Schedule 4— Valuation Report

Schedule 5— Data Compare

Schedule 6— QM ATR Data

Schedule 7— Business Purpose Data

99.6 Disclosures required by Rule 15Ga-2 for Selene Diligence LLC

Schedule 1— Narrative

Schedule 2— Rating Agency Grades Summary Report

Schedule 3— Standard Findings Report

Schedule 4— Valuation Report

Schedule 5— Rating Agency Multi-Property Valuation Report

Schedule 6— MLS Report

Schedule 7— Supplemental Data Extract Report

Schedule 8— Multi-Property Extract Report

Schedule 9— Business Purpose Supplemental Extract Report

Schedule 10— Data Compare Report

99.7 Disclosures required by Rule 15Ga-2 for Maxwell Diligence Solutions, LLC

Schedule 1— Narrative

Schedule 2— Standard Exceptions Report

Schedule 3— Grading Report

Schedule 4— Valuation Report

Schedule 5— Supplemental Data

Schedule 6— Business Purpose Supplement

Schedule 7— Data Compare Report

99.8 Disclosures required by Rule 15Ga-2 for Digital Risk, LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data

Schedule 3— DD Standard – DI Report

Schedule 4— Rating Agency Report

Schedule 5— Valuation Report

Schedule 6— Additional Data – Due Diligence

Schedule 7— NonQM Supplemental Report

Schedule 8— Exception Report

99.9 Disclosures required by Rule 15Ga-2 for Infinity IPS, Inc.

Schedule 1— Narrative

Schedule 2— Rating Agency Grade

Schedule 3— Loan Level Exception

Schedule 4— Individual Exception

Schedule 5— Valuation

Schedule 6— Data Compare

Schedule 7— Supplemental Data

## Exhibit 99.1

**Exhibit 99.1**

![](n5122_amclogo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans acquired by Loan Funding Structure VI LLC (the "Client"). These mortgage loans, which were originated by multiple parties, were purchased by the Client in multiple bulk transactions or via Reliance Letter and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

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

The diligence review (the "Review") was conducted on a portion of the securitization mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC did not review all of the mortgage loans in the securitization loan population for a specific scope of review.

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

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit and Compliance Review": 108 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Leases Review": 14 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity Review": 122 mortgage loans

Throughout the securitization process, the Client may have removed or added various mortgage loans from the securitization population for reasons that are unknown to AMC. AMC's disclosures herein reflect findings on the securitization population (as known by AMC) as of the date hereof.

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

The Compliance Review was conducted consistent with the criteria for the NRSRO(s) identified in Item 3 of the Form ABS Due Diligence-15E.

**(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 file as captured during the Compliance Review. The scope of this review and the findings are detailed later in this document.

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

**<u>CREDIT AND COMPLIANCE SCOPE (108 Mortgage 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, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, 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,

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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 (a) 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.

**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.

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

**<u>LEASES SCOPE (114 Mortgage Loans)</u>**

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![](n5122_amclogo.jpg)

**<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 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.

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**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 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.

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

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

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

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

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

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

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

&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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

&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:** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<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

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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 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.

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Credit
report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Income
and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Asset
documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales
contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Changed
circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right
of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage
Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible
Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination
Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA
disclosures;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
Disclosures; and

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

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

**Data Integrity Review (122 Mortgage Loans):** AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by time period of transaction.

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,

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**COMPLIANCE RESULTS SUMMARY**

Please note that 14 Leases Review were not subjected to a compliance review and did not receive a compliance grade. Of the remaining 108 mortgage loans under the Fitch & Kroll rating criteria, 64 (59.26%) mortgage loans received an "A" compliance grade and 44 (40.74%) mortgage loans received a "B" compliance grade.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch & Kroll Compliance** | &nbsp;&nbsp;**Fitch & Kroll Compliance** | &nbsp;&nbsp;**Fitch & Kroll Compliance** | &nbsp;&nbsp;**Fitch & Kroll Compliance** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Compliance Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;64 | &nbsp;&nbsp;52.46% | &nbsp;&nbsp;59.26% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;44 | &nbsp;&nbsp;36.07% | &nbsp;&nbsp;40.74% |
| &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;14 | &nbsp;&nbsp;11.48% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**122** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

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**CREDIT RESULTS SUMMARY**

Within the securitization population, 99 (81.15%) of the mortgage loans received an "A" credit grade and 23 (18.85%) of the mortgage loans received a "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch & Kroll Credit** | &nbsp;&nbsp;**Fitch & Kroll Credit** | &nbsp;&nbsp;**Fitch & Kroll Credit** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;99 | &nbsp;&nbsp;81.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;18.85% |
| &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;**122** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, all 122 (100.00%) of the mortgage loans received an "A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch & Kroll Property/Valuation** | &nbsp;&nbsp;**Fitch & Kroll Property/Valuation** | &nbsp;&nbsp;**Fitch & Kroll Property/Valuation** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;122 | &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;**122** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections above, under the Fitch & Kroll ratings criteria, 100% of the loans by number in the pool possessed a NRSRO grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch & Kroll Overall** | &nbsp;&nbsp;**Fitch & Kroll Overall** | &nbsp;&nbsp;**Fitch & Kroll Overall** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;65 | &nbsp;&nbsp;53.28% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;57 | &nbsp;&nbsp;46.72% |
| &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;**122** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION SUMMARY (122 Mortgage Loans)**

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. 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").

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch & Kroll Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***59*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**59** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***24*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**24** |
| &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;**83** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY (122 Mortgage Loans)**

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by the time period of the transaction. The information provided below is based upon the relevant data capture and bid tape elements for a specific transaction, as may be unique for that transaction, within the reviews that occurred to the associated mortgage loans that are included in the securitization population.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| # of Units | 0 | 30 | 0.00% | 122 |
| Amortization Term | 11 | 49 | 22.45% | 122 |
| Amortization Type | 6 | 48 | 12.50% | 122 |
| Appraised Value | 1 | 31 | 3.23% | 122 |
| Balloon Flag | 0 | 51 | 0.00% | 122 |
| Borrower Birth Date | 0 | 23 | 0.00% | 122 |
| Borrower First Name | 1 | 79 | 1.27% | 122 |
| Borrower FTHB | 0 | 11 | 0.00% | 122 |
| Borrower Last Name | 7 | 115 | 6.09% | 122 |
| Borrower Mailing City | 7 | 23 | 30.43% | 122 |
| Borrower Mailing State | 0 | 23 | 0.00% | 122 |
| Borrower Mailing Street | 8 | 23 | 34.78% | 122 |
| Borrower Mailing Zip | 6 | 23 | 26.09% | 122 |
| Borrower Self-Employed? | 1 | 18 | 5.56% | 122 |
| Borrower SSN | 1 | 74 | 1.35% | 122 |
| City | 6 | 122 | 4.92% | 122 |
| Coborrower Birth Date | 0 | 11 | 0.00% | 122 |
| Coborrower First Name | 0 | 11 | 0.00% | 122 |
| Coborrower FTHB | 0 | 4 | 0.00% | 122 |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| Coborrower Last Name | 0 | 11 | 0.00% | 122 |
| Coborrower Mailing City | 0 | 11 | 0.00% | 122 |
| Coborrower Mailing State | 0 | 11 | 0.00% | 122 |
| Coborrower Mailing Street | 0 | 11 | 0.00% | 122 |
| Coborrower Mailing Zip | 0 | 11 | 0.00% | 122 |
| Coborrower Self-Employed? | 0 | 8 | 0.00% | 122 |
| Coborrower SSN | 0 | 11 | 0.00% | 122 |
| Contract Sales Price | 3 | 24 | 12.50% | 122 |
| Decision System | 2 | 5 | 40.00% | 122 |
| Doc Type | 19 | 62 | 30.65% | 122 |
| Escrow Account | 9 | 74 | 12.16% | 122 |
| First Payment Date | 0 | 32 | 0.00% | 122 |
| Guideline Name | 5 | 6 | 83.33% | 122 |
| Has FTHB | 1 | 63 | 1.59% | 122 |
| Interest Only | 0 | 23 | 0.00% | 122 |
| Interest Only Period | 1 | 7 | 14.29% | 122 |
| Investor: Qualifying Housing Ratio | 22 | 22 | 100.00% | 122 |
| Investor: Qualifying Total Debt Ratio | 28 | 79 | 35.44% | 122 |
| Lender | 0 | 51 | 0.00% | 122 |
| Lien Position | 7 | 69 | 10.14% | 122 |
| LTV Valuation Value | 0 | 1 | 0.00% | 122 |
| Maturity Date | 0 | 32 | 0.00% | 122 |
| MERS Min Number | 0 | 21 | 0.00% | 122 |
| Note Date | 5 | 30 | 16.67% | 122 |
| Occupancy | 0 | 120 | 0.00% | 122 |
| Original CLTV | 7 | 117 | 5.98% | 122 |
| Original HCLTV | 1 | 27 | 3.70% | 122 |
| Original Interest Rate | 5 | 120 | 4.17% | 122 |
| Original Loan Amount | 7 | 122 | 5.74% | 122 |
| Original LTV | 1 | 71 | 1.41% | 122 |
| Original P&I | 0 | 25 | 0.00% | 122 |
| Original Term | 6 | 63 | 9.52% | 122 |
| Origination Channel | 0 | 74 | 0.00% | 122 |
| Originator Loan Designation | 0 | 4 | 0.00% | 122 |
| PITIA Reserves Months | 0 | 51 | 0.00% | 122 |
| Prepayment Penalty | 1 | 25 | 4.00% | 122 |
| Prepayment Penalty Period (months) | 1 | 46 | 2.17% | 122 |
| Product Description | 0 | 51 | 0.00% | 122 |
| Property Type | 14 | 122 | 11.48% | 122 |
| Purpose | 0 | 86 | 0.00% | 122 |
| Refi Purpose | 0 | 18 | 0.00% | 122 |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| Representative FICO | 12 | 122 | 9.84% | 122 |
| State | 0 | 122 | 0.00% | 122 |
| Street | 8 | 115 | 6.96% | 122 |
| Subject Debt Service Coverage Ratio | 7 | 14 | 50.00% | 122 |
| Universal Loan Identifier (ULI) | 0 | 23 | 0.00% | 122 |
| Zip | 4 | 122 | 3.28% | 122 |
| **Total** | **231** | **3104** | **7.44%** | **122** |

---

In total, data variances were found on 102 (83.61%) mortgage loans reviewed across 35 unique data fields in the sample. Please note that not all data fields would have been available for all loans.

**ADDITIONAL SUMMARY (122 Mortgage Loans)** 

*Some % of Loans may not add to 100% due to rounding*

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;112 | &nbsp;&nbsp;91.80% | &nbsp;&nbsp;$79685865.00 | &nbsp;&nbsp;89.97% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;10 | &nbsp;&nbsp;8.20% | &nbsp;&nbsp;$8885969.00 | &nbsp;&nbsp;10.03% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**122** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$88571834.00** | &nbsp;&nbsp;**100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;122 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$88571834.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**122** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$88571834.00** | &nbsp;&nbsp;**100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.82% | &nbsp;&nbsp;$304000.00 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;19 | &nbsp;&nbsp;15.57% | &nbsp;&nbsp;$8118787.00 | &nbsp;&nbsp;9.17% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.64% | &nbsp;&nbsp;$1177000.00 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;24 | &nbsp;&nbsp;19.67% | &nbsp;&nbsp;$17016504.00 | &nbsp;&nbsp;19.21% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;68 | &nbsp;&nbsp;55.74% | &nbsp;&nbsp;$51785143.00 | &nbsp;&nbsp;58.47% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.56% | &nbsp;&nbsp;$10170400.00 | &nbsp;&nbsp;11.48% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**122** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$88571834.00** | &nbsp;&nbsp;**100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;119 | &nbsp;&nbsp;97.54% | &nbsp;&nbsp;$84261835.00 | &nbsp;&nbsp;95.13% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.46% | &nbsp;&nbsp;$4309999.00 | &nbsp;&nbsp;4.87% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**122** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$88571834.00** | &nbsp;&nbsp;**100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;56 | &nbsp;&nbsp;45.90% | &nbsp;&nbsp;$45438362.00 | &nbsp;&nbsp;51.30% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;17 | &nbsp;&nbsp;13.93% | &nbsp;&nbsp;$8272124.00 | &nbsp;&nbsp;9.34% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.82% | &nbsp;&nbsp;$333750.00 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.82% | &nbsp;&nbsp;$495000.00 | &nbsp;&nbsp;0.56% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;37 | &nbsp;&nbsp;30.33% | &nbsp;&nbsp;$29435448.00 | &nbsp;&nbsp;33.23% |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;5.74% | &nbsp;&nbsp;$2003650.00 | &nbsp;&nbsp;2.26% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.64% | &nbsp;&nbsp;$2372500.00 | &nbsp;&nbsp;2.68% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.82% | &nbsp;&nbsp;$221000.00 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**122** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$88571834.00** | &nbsp;&nbsp;**100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;70 | &nbsp;&nbsp;57.38% | &nbsp;&nbsp;$59448372.00 | &nbsp;&nbsp;67.12% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;45 | &nbsp;&nbsp;36.89% | &nbsp;&nbsp;$26620212.00 | &nbsp;&nbsp;30.05% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;7 | &nbsp;&nbsp;5.74% | &nbsp;&nbsp;$2503250.00 | &nbsp;&nbsp;2.83% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**122** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$88571834.00** | &nbsp;&nbsp;**100.00%** |

---

 

 

 

 

 

 

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## Exhibit 99.1

![](situsamc_logo.jpg)

**Loan Level Exception - Final Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Edgar Loan ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | XXXX | 111 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  | – A |  |  |  |  | A |
| XXXX | XXXX | 112 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  | – A |  |  |  |  | A |
| XXXX | XXXX | 113 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  | – A |  |  |  |  | A |
| XXXX | XXXX | 114 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  | – A |  |  |  |  | A |
| XXXX | XXXX | 115 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  | – A |  |  |  |  | A |
| XXXX | XXXX | 117 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Per guidelines, an exception is required to use short term rental income from the 1007 rent comparable schedule. File contains evidence an exception was requested; however, approved exception form not in loan images. | BUYER - GENERAL COMMENT (2025-01-08): Exception request and approval<br> REVIEWER - WAIVED COMMENT (2025-01-13): Per guidelines, an exception is required to use short term rental income from the 1007 rent comparable schedule. File contains evidence an exception was requested; however, approved exception form not in loan images. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the <br> amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this <br> purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than <br> the guideline requirement by .50. | – B |  |  |  |  | A B |
| XXXX | XXXX | 118 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  | – A |  |  |  |  | A |
| XXXX | XXXX | 121 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  | – A |  |  |  |  | A |
| XXXX | XXXX | 116 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  |  |  |  |  |  |  | – A |  |  |  |  | A |
| XXXX | XXXX | 119 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Application / Processing - FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.: Disaster Name: XXXXXXXXXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX | The Property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there were no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared / end date. | BUYER - GENERAL COMMENT (2025-02-05): PDI<br> REVIEWER - WAIVED COMMENT (2025-02-10): Property inspected post-disaster reflecting no damage; however, pre-disaster declaration end date. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | – B |  |  |  |  | A B |
| XXXX | XXXX | 122 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved exception at origination for using short term rent with rent schedule from appraisal. Comp factors XXX FICO, 38 months reserves, and XX.XX% LTV. | REVIEWER - WAIVED COMMENT (2025-01-17): Waived with compensating factors per seller exception approval at origination. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | – B |  |  |  |  | A B |
| XXXX | XXXX | 120 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception approved at origination for FTI living rent free. Comp factors 17 months reserves, XXX FICO. | REVIEWER - WAIVED COMMENT (2025-01-22): Lender exception approved at origination for FTI living rent free. Comp factors 17 months reserves, XXX FICO. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | – B |  |  |  |  | A B |
| XXXX | XXXX | 110 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX | The most recent valuation inspection is XX/XX/XXXX dated prior to the most recent FEMA disaster XX/XX/XXXX. | BUYER - GENERAL COMMENT (2025-01-16): Ok. Report after incident date.<br> REVIEWER - WAIVED COMMENT (2025-01-21): Property inspected after declaration date, prior to end date. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | – B |  |  |  |  | A B |
| XXXX | XXXX | 109 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception approved for 2nd cash out in <br> twelve months contingent upon 12 months of <br> reserves. | REVIEWER - WAIVED COMMENT (2025-02-04): Lender exception in file. | 1 |  |  |  |  |  |  |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | – B |  |  |  |  | A B |

---

## Exhibit 99.1

![](situsamc_logo.jpg)

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Edgar 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** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | 117 |  | 33303521 | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, an exception is required to use short term rental income from the 1007 rent comparable schedule. File contains evidence an exception was requested; however, approved exception form not in loan images. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 26.59<br> Guideline Requirement: 3.00 | SitusAMC | Reviewer Comment (2025-01-13): Per guidelines, an exception is required to use short term rental income from the 1007 rent comparable schedule. File contains evidence an exception was requested; however, approved exception form not in loan images.<br>Buyer Comment (2025-01-08): Exception request and approval |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 119 |  | 33303527 | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is <br> located in a FEMA disaster that does not have a <br> declared end date. | Disaster Name: XXXXXXXXXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX | The Property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there were no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared / end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster:XX/XX/XXXX. | SitusAMC,Originator | Reviewer Comment (2025-02-10): Property inspected post-disaster reflecting no damage; however, pre-disaster declaration end date.<br>Buyer Comment (2025-02-05): PDI |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 122 |  | 33303530 | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for using short term rent with rent schedule from appraisal. Comp factors XXX FICO, 38 months reserves, and XX.XX% LTV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 188.16<br> Guideline Requirement: 9.00<br>Loan to Value: XX.XXX%<br> Guideline Maximum Loan to Value: 65.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: XXX | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-17): Waived with compensating factors per seller exception approval at origination. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 120 |  | 33303533 | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for FTI living rent free. Comp factors 17 months reserves, XXX FICO. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 21.82<br> Guideline Requirement: 12.00<br>Guidelines Representative FICO: 700<br> Representative FICO: XXX | SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-22): Lender exception approved at origination for FTI living rent free. Comp factors 17 months reserves, XXX FICO. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B | A |  | N/A | No |
| XXXX | XXXX | 110 |  | 33303538 | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX | The most recent valuation inspection is XX/XX/XXXX dated prior to the most recent FEMA disaster XX/XX/XXXX. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/XX/XX | SitusAMC | Reviewer Comment (2025-01-21): Property inspected after declaration date, prior to end date.<br>Buyer Comment (2025-01-16): Ok. Report after incident date. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |
| XXXX | XXXX | 109 |  | 33303540 | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for 2nd cash out in <br> twelve months contingent upon 12 months of <br> reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 24 months reserves.<br>Fico is 64 points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-02-04): Lender exception in file. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B | A |  | N/A | No |

---

## Exhibit 99.1

![](situsamc_logo.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Edgar Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal FSD Score** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal FSD Score** | **Second Appraisal Desk Review Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | 111 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 112 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 113 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 114 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 115 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 117 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 118 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.40 |
| XXXX | XXXX | 121 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 116 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 119 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 122 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 3.333% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 22.00 |
| XXXX | XXXX | 120 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 110 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | 109 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |

---

## Exhibit 99.1

![](situsamc_logo.jpg)

**Data Compare (Non-Ignored)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Edgar Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | 111 |  |  | Subject Debt Service Coverage Ratio | X.XX | X.XX | Verified | DSCR - XXXXXXXXXXXXX. |
| XXXX | XXXX | 111 |  |  | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 111 |  |  | Amortization Term | XXX | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 112 |  |  | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 112 |  |  | Amortization Term | XXX | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 113 |  |  | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 113 |  |  | Amortization Term | XXX | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 114 |  |  | Original Loan Amount | $XXX | $XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 114 |  |  | Street | XXX | XXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 114 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 114 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 115 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 115 |  |  | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 117 |  |  | Street | XXX | XXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 117 |  |  | Subject Debt Service Coverage Ratio | X.XX | X.XX | Verified | Rent- $XXX; PITI- $XXX; DSCR- X.XX |
| XXXX | XXXX | 118 |  |  | Subject Debt Service Coverage Ratio | X.XX | X.XX | Verified | Actual rent #XXX - 1007 rent $4,000 - 3 months proof in file so used 120% of 1007 rent = $XXX / $XXXPITIA (which matches lender PITIA). Worksheet in file reflectsX.XXDSCR; however, used entire XXX rent which does not meet guidelines. |
| XXXX | XXXX | 121 |  |  | Subject Debt Service Coverage Ratio | X.XX | X.XX | Verified | Within .01 of lender DSCR calculation of X.XX. |
| XXXX | XXXX | 116 |  |  | Subject Debt Service Coverage Ratio | X.XX | X.XX | Verified | DSCR Worksheet reflects DSCR of X.XXX which matches field value. Unable to determine calculation for tape value causing discrepancy. |
| XXXX | XXXX | 122 |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 122 |  |  | Subject Debt Service Coverage Ratio | X.XX | X.XX | Verified | DSCR calculated using short term market rent from appraisal $XXX.XXX reflects same market rent and DSCR of X.XX(rounded to X.XX). Unable to determine how tape data was calculated causing discrepancy |
| XXXX | XXXX | 110 |  |  | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 110 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 110 |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | 110 |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | 110 |  |  | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 109 |  |  | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 109 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 109 |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | 109 |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | 109 |  |  | Contract Sales Price |  | $XXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 109 |  |  | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 109 |  |  | Subject Debt Service Coverage Ratio | X.XX | X.XX | Verified | Field value reflects source document |

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## Exhibit 99.1

![](situsamc_logo.jpg)

**Loan Level Exception - Final Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Edgar Loan ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| XXXX | XXXX | 1 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 6 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy <br> of Appraisal Not Provided 3 Business Days Prior <br> to Consummation: ECOA Valuations Rule (Dodd-<br> Frank 2014): Creditor did not provide a copy of <br> each valuation to applicant three (3) business <br> days prior to consummation. <br> (Type:PrimaXX/XX/XXXX024) | Federal Compliance - ECOA Appraisal - Copy of <br> Appraisal Not Provided 3 Business Days Prior to <br> Consummation: No Documentation in the file to <br> evidence borrower was provided with a copy of <br> valuation three (3) business days prior to<br> consummation. | REVIEWER - WAIVED COMMENT (2024-10-07): Client elects to waive. |  | Borrower has been employed in the same industry for more than <br> 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the <br> amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this <br> purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum <br> by at least 40 points. |  | - A B |
| XXXX | XXXX | 10 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,325.00 exceeds tolerance of $3,639.00 plus 10% or $4,002.90. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten percent fee tolerance exceeded; however, sufficient cure provided at closing. | REVIEWER - CURED COMMENT (2024-12-21): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 7 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:AdditionXX/XX/XXXX024)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $780.00 exceeds tolerance of $615.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification each valuation provided to borrower not provided in loan file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure at closing | REVIEWER - WAIVED COMMENT (2024-12-23): Client elects to waive.<br> REVIEWER - CURED COMMENT (2025-01-16): Sufficient Cure Provided At Closing |  |  |  | - A B |
| XXXX | XXXX | 23 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] Application / Processing - FEMA Disaster <br> Issue: The most recent valuation inspection is <br> dated prior to the most recent FEMA <br> disaster.: Most Recent Valuation Inspection Date: <br> XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: <br> Disaster Declaration Date: XX/XX/XXXX |  | BUYER - GENERAL COMMENT (2025-01-08): Seller response included in attached<br> BUYER - GENERAL COMMENT (2025-01-08): Please investor waive with comp factors final inspection after end date since appraisal occurred over 60 days after disaster date.- XXXXXXXXXXX<br> REVIEWER - WAIVED COMMENT (2025-01-13): Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXXXXXXXXXX Disaster Declaration Date: XX/XX/XXXX | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:178XX/XX/XXXX024)<br> [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 5.27653% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2024). FNMA Finance Charge total $13,850.88 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $13,125.00 and $1000.00 (2024) (an overage of $725.88 or .27653%). | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal receipt was not provided to the borrower within 3 business days prior to the note date.<br> Federal Compliance - FNMA Points and Fees: Points and Fees on subject loan of 5.27653% is in excess of the allowable maximum of the greater of 5.00000%. | REVIEWER - WAIVED COMMENT (2024-12-24): Client elects to waive.<br> REVIEWER - WAIVED COMMENT (2024-12-26): Client elects to waive.<br> REVIEWER - WAIVED COMMENT (2024-12-24): Client elects to waive. |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 16 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024) | REVIEWER - WAIVED COMMENT (2024-12-26): Client elects to waive. |  |  |  | - A B |
| XXXX | XXXX | 15 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 19 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | REVIEWER - WAIVED COMMENT (2025-01-03): Client elects to waive. | 1 |  |  |  | 1 |  |  |  |  |  |  | - B A |
| XXXX | XXXX | 8 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 20 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 24 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 17 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 11 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing. | REVIEWER - WAIVED COMMENT (2025-01-09): Client elects to waive. |  |  |  | - A B |
| XXXX | XXXX | 14 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - A |
| XXXX | XXXX | 21 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Application / Processing - FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.: Disaster Name: XXXXXXXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. | BUYER - GENERAL COMMENT (2025-01-15): Disaster inspection attached<br> REVIEWER - WAIVED COMMENT (2025-01-21): Property inspected post-disaster reflecting no damage; however, pre-disaster declaration end date. | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX024) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Revised Appraisal was sent to borrower on XX/XX/XXXX. Evidence of actual receipt on or before closing is missing. | REVIEWER - WAIVED COMMENT (2025-01-13): Waived at client request. | Federal Compliance - ECOA Appraisal - <br> Appraisal Not Provided at or Before Closing (3-<br> Day Waiver In File): There is generally no <br> Assignee Liability. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. |  | - B A |
| XXXX | XXXX | 18 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX024)<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX024)<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024) | Federal Compliance - ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing.<br> Federal Compliance - ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing. | REVIEWER - WAIVED COMMENT (2025-01-13): Waived at client request.<br> REVIEWER - WAIVED COMMENT (2025-01-13): Waived at client request.<br> REVIEWER - WAIVED COMMENT (2025-01-13): Waived at client request. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation: There is generally no Assignee Liability.<br>Federal Compliance - ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation: There is generally no Assignee Liability. |  |  | - A B |
| XXXX | XXXX | 9 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 12 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 26 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 22 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 13 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Review Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2025-01-27): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 25 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 27 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) |  | REVIEWER - CURED COMMENT (2025-01-30): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 3 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Collateral Desktop Analysis Fee was last disclosed as $0.00 on LE but disclosed as $123.6 on Final Closing Disclosure, valid COC or cure not provided. | BUYER - GENERAL COMMENT (2025-01-22): See Uploaded CoC<br> REVIEWER - GENERAL COMMENT (2025-01-23): XXXX received COC dated XX/XX for adding CDA due to higher CU score on UCDP SSR. However, the UCDP report is dated XX/XX which shows the high score, and the fee was added on XX/XX which is not within 3 business days from the date of change. More information on timeline is required or please provide cure.<br> BUYER - GENERAL COMMENT (2025-01-29): See uploaded LOX, Refund Check, Proof of Mailing and Change of Circumstance<br> REVIEWER - CURED COMMENT (2025-01-30): XXXX received Letter of Explanation, Proof of Delivery and Copy of Refund Check. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 5 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 4 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 2 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | BUYER - GENERAL COMMENT (2025-01-31): See ROR provided<br> REVIEWER - GENERAL COMMENT (2025-02-04): 1) The signature of the co-borrower on the corrected rescission notice appears to be completely different from the original documents she signed. <br> 2) More importantly, each borrower signed the "I Wish to Cancel" signature line on the corrected RTC. This brings into question whether the borrower intended to cancel the transaction (which would void the loan) versus having just signed by accident. We would need clarification, through a statement signed by each borrower, that there was no intent to cancel the loan for the corrected rescission signed onXX/XX/XXXXIf we can receive a signed statement from each borrower confirming (1) it was not their intent to cancel (despite signing as such) and (2) for XXXX, confirmation from her that she received the corrected rescission in light of the mis-matched signatures, we can consider for curing.<br> BUYER - GENERAL COMMENT (2025-02-13): see docs provided<br> REVIEWER - CURED COMMENT (2025-02-13): Cure documentation received. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - A B |
| XXXX | XXXX | 28 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 31 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $675.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  | REVIEWER - CURED COMMENT (2025-04-07): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 34 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 35 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Index. (FinXX/XX/XXXX025)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $X,XXX,XXX is under disclosed by $140.00 compared to the calculated total of payments of $X,XXX,XXX which exceeds the $100.00 threshold. (FinXX/XX/XXXX025) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Index<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $X,XXX,XXX is under disclosed by $140.00 compared to the calculated total of payments of $X,XXX,XXX which exceeds the $100.00 threshold. | SELLER - GENERAL COMMENT (2025-02-27): (Rate Lock) PCCD and LOX attached. Will go out with the refund check on TuesdayXX/XX/XXXXEVIEWER - CURED COMMENT (2025-03-03): XXXX received PCCD and LOE.<br> SELLER - GENERAL COMMENT (2025-02-27): (Rate Lock) Check will be uploaded upon receipt - TuesdayXX/XX/XXXXEVIEWER - GENERAL COMMENT (2025-03-03): Copy of refund check required to cure.<br> SELLER - GENERAL COMMENT (2025-03-05): (Rate Lock) Refund check going out with lox, CD via XXXX today XXXX XXXX XXXX<br> REVIEWER - CURED COMMENT (2025-03-06): XXXX received PCCD, LOE, Copy of Refund Check and Proof of Mailing. | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 36 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 38 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | - B A |
| XXXX | XXXX | 39 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Guideline Issue - Guidelines require one year Tax Transcript (1040) when a 1040 personal tax return was used to qualify. File contains no 1040 transcript.: Borrower: XXXXXXXXXXXXX<br> [2] Guideline Issue - Guidelines require one year Tax Transcript (1040) when a 1040 personal tax return was used to qualify. File contains no 1040 transcript.: Borrower: XXXXXXXXXXXXX | Co-borrower was self-employed and qualified with rental income from schedule E. Transcripts are required.<br> Borrower was qualified with rental income from schedule E. Transcripts are required. | REVIEWER - WAIVED COMMENT (2025-04-03): Client elected to waive the condition with the following compensating factors.<br> • XX LTV is XX below max (80). <br> • 796822 post close reserves (60 months; or 6x).<br> • Credit depth including 15-year mortgage history paid as agreed<br> REVIEWER - WAIVED COMMENT (2025-04-03): Client elected to waive the condition with the following compensating factors.<br> • XX LTV is XX below max (80). <br> • 796822 post close reserves (60 months; or 6x).<br> • Credit depth including 15-year mortgage history paid as agreed | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No documentation in the loan file to evidence borrower was provided with a copy of the appraisal at least 3 business days prior to closing. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | 40 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $60.00 plus 10% or $66.00. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $575.00. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $60.00 plus 10% or $66.00. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The appraisal fee was disclosed to the borrower on the LE as $575.00, the final CD shows the fee as $950.00, there was no change of circumstance or lender credit to cover the cost to cure. | SELLER - GENERAL COMMENT (2025-04-17): LOX,PCCD, XXXX, Ck Copy<br> REVIEWER - CURED COMMENT (2025-04-18): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br> SELLER - GENERAL COMMENT (2025-04-17): LOX, PCCD, XXXX, Ck Copy<br> REVIEWER - CURED COMMENT (2025-04-18): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 49 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 2 | 2 | [2] Guideline Issue - Borrower does not have the minimum open tradelines per guidelines. | The minimum tradeline requirement of 3 tradelines per guidelines was not met. | REVIEWER - WAIVED COMMENT (2025-04-04): Client elected to waive the condition with the following Compensating Factors:<br> Credit Depth: trade history dates to XX/XXXX (24 years paid as agreed) and 11-year mortgage history paid as agreed.<br> REO Equity: 486200 equity in primary residence owned free and clear.<br> Job Stability; XXXX for 18 years. | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification of appraisal was delivered to borrower was not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | 30 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of $273,577.00 is less than the note amount of $XXX,XXX based on the Commitment in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - B A |
| XXXX | XXXX | 41 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 42 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - B A |
| XXXX | XXXX | 106 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Limited Cash-out GSE | Exempt from ATR | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 43 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | - A B |
| XXXX | XXXX | 44 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $258.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75208) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $258.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75208) | REVIEWER - CURED COMMENT (2025-04-03): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 45 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. |  |  |  |  | - A B |
| XXXX | XXXX | 46 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Verification appraisal was delivered to borrower was not provided. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. |  |  | - A B |
| XXXX | XXXX | 47 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.27653% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $37,820.00 on a Federal Total Loan Amount of $X,XXX,XXX vs. an investor allowable total of $34,628.14 (an overage of $3,191.86 or .27653%).<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) | Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Points and Fees on subject loan of 3.27653% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $37,820.00 on a Federal Total Loan Amount of $X,XXX,XXX vs. an investor allowable total of $34,628.14 (an overage of $3,191.86 or .27653%). | REVIEWER - WAIVED COMMENT (2025-04-09): Client elected to waive the condition on the Non-QM 1st lien<br> REVIEWER - CURED COMMENT (2025-04-09): Sufficient Cure Provided At Closing |  |  |  | - A B |
| XXXX | XXXX | 48 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Appraiser reports total acreage to be 21.45, putting us 1.45 acres over the 20 acre max. Client exception approval in file. | REVIEWER - WAIVED COMMENT (2025-04-14): Client elect to waive with compensating factors:<br> DTI: XX where 50 is maximum<br> LTV XX where 80 is maximum (3XX points)<br> Pre close assets: 117950 61 months reserves where 3 months is required. (20X) | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 50 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 51 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher Priced: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher Priced: Initial and Final 1003 Declarations question A. "Will you occupy the property as your primary residence?" has been answered "Yes", As per Occupancy certificate occupancy type is Investment. |  |  |  |  | - A B |
| XXXX | XXXX | 52 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): 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. | SELLER - GENERAL COMMENT (2025-04-23): See attached<br> REVIEWER - GENERAL COMMENT (2025-04-24): H-9 form received. The condition will be cured when the new 3 day rescission has passed.<br> REVIEWER - CURED COMMENT (2025-04-28): Rescission re-opened on the correct form | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - A B |
| XXXX | XXXX | 53 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - General Ability To Repay Provision Investor Qual Method differs from ATR, DTI not Understated: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5), but the method did not render a DTI that is less than that prescribed under ATR.<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX025)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2749123)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2749124)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $120.00 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: The AIR Table on the final and post-close CD"s identified the Index as SOFR, it should have been identified as SOFR 30 day average.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: The payment streams on the final and post-close CD identified payment stream 2 for years 8-10 when payment stream 2 should be for year 8, payment stream 3 for year 9, and payment stream 4 for years 10-30. Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: The payment streams on the final and post-close CD identified payment stream 2 for years 8-10 when payment stream 2 should be for year 8, payment stream 3 for year 9, and payment stream 4 for years 10-30. Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD. | SELLER - GENERAL COMMENT (2025-04-25): (Rate Lock) Please see attached PCCD and LOE to borrower with the corrections requested.<br> REVIEWER - CURED COMMENT (2025-04-28): XXXX received PCCD, LOE.<br> SELLER - GENERAL COMMENT (2025-04-25): (Rate Lock) Please see attached PCCD and LOE to borrower with the corrections requested.<br> REVIEWER - CURED COMMENT (2025-04-28): XXXX received PCCD, LOE.<br> SELLER - GENERAL COMMENT (2025-04-25): (Rate Lock) Please see attached PCCD and LOE to borrower with the corrections requested.<br> REVIEWER - CURED COMMENT (2025-04-28): XXXX received PCCD, LOE.<br> REVIEWER - CURED COMMENT (2025-04-08): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 54 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 55 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.50128% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,888.60 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $15,327.48 (an overage of $2,561.12 or .50128%). |  | REVIEWER - WAIVED COMMENT (2025-04-08): Client elected to waive the condition on the Non-QM 1st lien |  |  |  | - A B |
| XXXX | XXXX | 56 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Guideline Issue - Borrower does not have the minimum active tradelines per guidelines. | The co-borrower did not meet the minimum tradeline requirement. Client exception approval in file | REVIEWER - WAIVED COMMENT (2025-04-03): Client elected to waive the condition with the following compensating factors:<br> Credit depth dating back to XXXX (19 years) including history of managing multiple student loans and paying in full <br> XX.XX DTIis XX below max (45). <br> Demonstrated ability save 212342.54 post-close reserves (35 months; or 2.9x) | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 57 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 5.25846% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $38,452.50 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $36,562.50 and $1000.00 (2025) (an overage of $1,890.00 or .25846%). | Federal Compliance - FNMA Points and Fees: NMA Points and Fees on subject loan of 5.63346% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $41,194.69 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $36,562.50 and $1000.00 (2025) | REVIEWER - WAIVED COMMENT (2025-04-07): Client elected to waive the condition on the Non-QM 1st lien |  |  |  | - A B |
| XXXX | XXXX | 58 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - B A |
| XXXX | XXXX | 108 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $65.25 exceeds tolerance of $60.00. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The Credit Report Fee was last disclosed as $60.00 on LE , then disclosed as $65.25.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | SELLER - GENERAL COMMENT (2025-04-08): On the CD "Paid others" it shows that the lender paid $10 so the borrower only paid $55.25. No cure is needed<br> REVIEWER - GENERAL COMMENT (2025-04-09): XXXX received rebuttal. However, the credit report fee increased from $60 to $65.25 on Final CD. Therefore we would require additional cure of $5.25 in order to cure the exception. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br> SELLER - GENERAL COMMENT (2025-04-22): PCCD, LOX, Check and shipping Label<br> REVIEWER - CURED COMMENT (2025-04-23): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 59 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Limited Cash-out GSE | Exempt from ATR | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. |  |  |  |  | - A B |
| XXXX | XXXX | 60 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 83 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 84 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 85 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Disparity in Occupancy - Higher Priced as Primary: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | Federal Compliance - Disparity in Occupancy - Higher Priced as Primary: Declarations section of the initial and final 1003 identified the borrower would occupy the subject as a primary residence. |  |  |  |  | - A B |
| XXXX | XXXX | 86 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Minimum tradeline requirement not met. | REVIEWER - WAIVED COMMENT (2025-04-14): Client elected to waive the condition with the following Compensating Factors:<br> 35-year trade history including 13-year mtg history paid as agreed<br> XX.XX LTVis XX below max (80)<br> XX.XX DTI isXX below max (45) | 1 |  |  |  | 2 | [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.39578% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $6,111.20 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $5,398.93 (an overage of $712.27 or .39578%).<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qual Method differs from ATR, DTI not Understated: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5), but the method did not render a DTI that is less than that prescribed under ATR. |  | REVIEWER - WAIVED COMMENT (2025-04-14): Client elected to waive the condition on the Non-QM 1st lien |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 72 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.18510% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,565.48 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $9,724.12 (an overage of $3,841.36 or 1.18510%). | Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.18510% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,565.48 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $9,724.12 (an overage of $3,841.36 or 1.18510%). | BUYER - WAIVED COMMENT (2025-03-12): Initial and Final Grade B, accepted. |  |  |  | - A B |
| XXXX | XXXX | 63 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.78540% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $22,413.08 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $17,762.79 (an overage of $4,650.29 or .78540%). |  | BUYER - WAIVED COMMENT (2025-03-12): Initial and Final Grade B, accepted. |  |  |  | - A B |
| XXXX | XXXX | 69 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 68 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.37942% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,433.00 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $15,475.74 (an overage of $1,957.26 or .37942%). |  | BUYER - WAIVED COMMENT (2025-03-14): Initial and Final Grade B, accepted |  |  |  | - A B |
| XXXX | XXXX | 87 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 2 | [2] Guideline Issue - Borrower does not have the minimum active tradelines per guidelines. | Guideline requirement of 3 active tradelines not met. | REVIEWER - WAIVED COMMENT (2025-04-04): Client elected to waive the condition with the following Compensating Factors:<br> 30-year mortgage history paid as agreed<br> XX.XX LTV is XX% below max (80)<br> 347872.02 post-close reserves (143 months; 6x) | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:SecondaXX/XX/XXXX025)<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of primary appraisal delivery to the borrower was not located in the file.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of primary appraisal delivery to the borrower was not located in the file. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | 88 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX025)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure was provided to the borrower at closing. | REVIEWER - CURED COMMENT (2025-04-08): Sufficient Cure Provided At Closing | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. |  |  | - A B |
| XXXX | XXXX | 89 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.26307% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $29,719.32 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $27,323.33 (an overage of $2,395.99 or .26307%). |  | SELLER - GENERAL COMMENT (2025-03-25): CDs<br> REVIEWER - WAIVED COMMENT (2025-03-26): Client elected to waive the condition on the Non-QM 1st lien |  |  |  | - A B |
| XXXX | XXXX | 75 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.85999% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,295.00 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $6,446.91 (an overage of $1,848.09 or .85999%).<br> [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $228.00 compared to the calculated Amount Financed of $XXX,XXX 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 XX/XX/XXXX). (FinXX/XX/XXXX025)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $410,770.77 is under disclosed by $228.00 compared to the calculated Finance Charge of $410,998.77 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX025)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $228.00 compared to the calculated Amount Financed of $XXX,XXX 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<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $410,770.77 is under disclosed by $228.00 compared to the calculated Finance Charge of $410,998.77 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated | BUYER - WAIVED COMMENT (2025-03-14): Initial and Final Grade B, accepted.<br> SELLER - GENERAL COMMENT (2025-03-14): CE - Passing<br> REVIEWER - GENERAL COMMENT (2025-03-17): The appraisal management fee listed in section B was not tested on the provided compliance reports.<br> SELLER - GENERAL COMMENT (2025-04-07): Refund<br> REVIEWER - CURED COMMENT (2025-04-08): XXXX received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br> SELLER - GENERAL COMMENT (2025-03-14): CE - Passing<br> REVIEWER - GENERAL COMMENT (2025-03-17): The appraisal management fee listed in section B was not tested on the provided compliance reports.<br> SELLER - GENERAL COMMENT (2025-04-07): Refund<br> REVIEWER - CURED COMMENT (2025-04-08): XXXX received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br> REVIEWER - CURED COMMENT (2025-03-13): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 71 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 80 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 91 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 92 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | The lease in file for the borrower's primary residence is not signed by the borrower. | REVIEWER - GENERAL COMMENT (2025-04-11): Client elected to waive the condition with the following Compensating Factors:<br> XX% LTV is XX% below max (85).<br> 7-year mortgage history paid as agreed<br> XX.XX DTI is XX below max (45) | 1 |  |  |  | 1 |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 93 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 7.32100% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $10,981.50 on a Original Loan Amount of $XXX,XXXvs. an allowable total of $7,500.00 and $1000.00 (2025) (an overage of $3,481.50 or 2.32100%). | Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 7.32100% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $10,981.50 on a Original Loan Amount of $XXX,XXXvs. an allowable total of $7,500.00 and $1000.00 | REVIEWER - WAIVED COMMENT (2025-04-22): Client elected to waive the condition on the Non-QM 1st lien |  |  |  | - A B |
| XXXX | XXXX | 64 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 61 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.52316% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,867.88 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $7,551.07 (an overage of $1,316.81 or .52316%).<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,444.75 exceeds tolerance of $1,444.00. Insufficient or no cure was provided to the borrower. (8304) | Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae Points and Fees exceed allowable threshold by $1,316.81 or .52316%.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: 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 $0.75, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | BUYER - WAIVED COMMENT (2025-03-17): Initial and Final Grade B, accepted<br> SELLER - GENERAL COMMENT (2025-03-17): Re-Cd - Tolerance total of 1444.58 - Final CD 1444.75. .17 tolerance in Section J.<br> REVIEWER - GENERAL COMMENT (2025-03-19): XXXX received comment and snip of fees baseline which shows the initially disclosed transfer tax is $1444.58. The initial LE should show $1445.00 after rounding off the total transfer taxes however, LE shows the amount disclosed is $1444.00. Remaining cure of $0.58 is required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br> SELLER - GENERAL COMMENT (2025-04-07): Refund<br> REVIEWER - CURED COMMENT (2025-04-08): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | 94 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 107 |  | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | Exempt from ATR | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 5.62376% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $5,680.00 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $5,050.00 and $1000.00 (2025) (an overage of $630.00 or .62376%).<br> [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): XXXX Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance. | Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 5.62376% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $5,680.00 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $5,050.00 and $1000.00 (2025) (an overage of $630.00 or .62376%).<br> State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance. | REVIEWER - WAIVED COMMENT (2025-04-10): Client elected to waive the condition on the Non-QM 1st lien<br> REVIEWER - WAIVED COMMENT (2025-04-15): Client elected to waive this condition: <br>XXXX<br>XXXXX has agreed this exception can be waived for XXXX. Please let me know if you have any questions.<br>Thanks!<br>XXXXXXXXXXXXX<br> XXXXXXXXXXXXX \| Fixed Income Division | State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): Assignee liability is unclear. Purchasers and assignees of XXXX mortgage loans would not appear to be liable for violations of the Act. However, effectiveXX/XX/XXXXalthough there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. |  |  | - A B |
| XXXX | XXXX | 76 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 78 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 95 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | Exempt from ATR | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 32 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 33 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 96 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 97 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.90347% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $5,558.58 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $4,272.03 (an overage of $1,286.55 or .90347%). |  | REVIEWER - WAIVED COMMENT (2025-04-07): Client elected to waive the condition on the Non-QM 1st lien |  |  |  | - A B |
| XXXX | XXXX | 77 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: There was no proof that the CDA was sent to the borrower |  |  |  |  | - A B |
| XXXX | XXXX | 67 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 98 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Client:311XX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | - A B |
| XXXX | XXXX | 66 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 2 | 2 | [2] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Lender exception approval in file for project not being warrantable. | REVIEWER - WAIVED COMMENT (2025-03-26): Client elected to waive the condition with the following Comp Factor: 28.28 months reserves. | 1 |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 5.92338% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $30,498.00 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $25,743.75 and $1000.00 (2025) (an overage of $4,754.25 or .92338%). | Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 5.92338% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $30,498.00 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $25,743.75 and $1000.00 (2025) (an overage of $4,754.25 or .92338%). | BUYER - WAIVED COMMENT (2025-03-26): Initial and Final Grade B, accepted. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - B A |
| XXXX | XXXX | 81 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 100 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 101 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 62 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - B A |
| XXXX | XXXX | 102 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | Exempt from ATR | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 103 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 65 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Guideline Issue - Borrower does not have the minimum active tradelines per guidelines. | The borrower does not meet the minimum tradeline requirement. Lender exception approval in file. | REVIEWER - WAIVED COMMENT (2025-03-28): Client elected to waive the condition with the following Comp Factor: Residual income of $6,565 monthly and LTV of XX% is lt max allowed of 90% | 1 |  |  |  | 1 |  |  |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. |  | - B A |
| XXXX | XXXX | 73 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 70 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 74 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 82 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 37 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $96.00 exceeds tolerance of $90.00. Sufficient or excess cure was provided to the borrower at Closing. (7505) |  | REVIEWER - CURED COMMENT (2025-03-12): Sufficient Cure Provided At Closing |  |  |  | - A |
| XXXX | XXXX | 79 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 105 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (7730) |  | REVIEWER - CURED COMMENT (2025-04-04): Sufficient Cure Provided within 60 Days of Closing |  |  |  | - A |
| XXXX | XXXX | 29 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 90 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | 99 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | BUYER - GENERAL COMMENT (2025-04-21): Appraisal delivery<br> REVIEWER - GENERAL COMMENT (2025-04-22): Appraisal Delivery Confirm Delivered on XX/XX/XXXX which is within 3 days of Closing date of XX/XX/XXXX. No timing waiver provided. Exception Remains<br> BUYER - WAIVED COMMENT (2025-04-24): Acknowledged non material EV2 |  |  |  | - A B |
| XXXX | XXXX | 104 | XXXX XXXX | XXXXXX | $XXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |

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## Exhibit 99.1

![](situsamc_logo.jpg)

**Exception Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Edgar 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** |
| XXXX | XXXX | 6 |  | 33303384 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024) | No Documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2024-10-07): Client elects to waive. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 10 |  | 33303390 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,325.00 exceeds tolerance of $3,639.00 plus 10% or $4,002.90. Sufficient or excess cure was provided to the borrower at Closing. (0) | Ten percent fee tolerance exceeded; however, sufficient cure provided at closing. |  |  |  | Reviewer Comment (2024-12-21): Sufficient Cure <br> Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 7 |  | 33303397 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $780.00 exceeds tolerance of $615.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Sufficient cure at closing |  |  |  | Reviewer Comment (2025-01-16): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | 7 |  | 33303396 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:AdditionXX/XX/XXXX024) | Verification each valuation provided to borrower not provided in loan file. |  |  |  | Reviewer Comment (2024-12-23): Client elects to waive. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 23 |  | 33303400 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024) | Appraisal receipt was not provided to the borrower within 3 business days prior to the note date. |  |  |  | Reviewer Comment (2024-12-24): Client elects to waive. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 23 |  | 33303401 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.27653% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2024). FNMA Finance Charge total $13,850.88 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $13,125.00 and $1000.00 (2024) (an overage of $725.88 or .27653%). | Points and Fees on subject loan of 5.27653% is in excess of the allowable maximum of the greater of 5.00000%. |  |  |  | Reviewer Comment (2024-12-24): Client elects to waive. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | LOE, copy of check and proof of <br> mailing/delivery. Note: Testing is <br> optional based on deal settings. B A | N/A | N/A | No |
| XXXX | XXXX | 23 |  | 33303402 | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX <br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXXXXXXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX |  | Property inspected post disaster but pre-FEMA<br> declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/XX/XXXX | XXXX,Originator Pre-Close | Reviewer Comment (2025-01-13): Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXXXXXXXXXX Disaster Declaration Date: XX/XX/XXXX<br>Buyer Comment (2025-01-08): Please investor waive with comp factors final inspection after end date since appraisal occurred over 60 days after disaster date.- XXXXXXXXXXX<br>Buyer Comment (2025-01-08): Seller response included in attached |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 23 |  | 33303405 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:178XX/XX/XXXX024) |  |  |  |  | Reviewer Comment (2024-12-26): Client elects to waive. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 16 |  | 33303413 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024) | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024) |  |  |  | Reviewer Comment (2024-12-26): Client elects to waive. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| XXXX | XXXX | 19 |  | 33303417 | XXXX | XX/XX/XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-01-03): Client elects to waive. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 11 |  | 33303435 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024) | No evidence of appraisal being sent to borrower 3 days prior to closing. |  |  |  | Reviewer Comment (2025-01-09): Client elects to waive. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | 21 |  | 33303445 | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXXXXXXXXXXXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster:XX/XX/XXXX. | XXXX,Originator | Reviewer Comment (2025-01-21): Property inspected post-disaster reflecting no damage; however, pre-disaster declaration end date.<br>Buyer Comment (2025-01-15): Disaster inspection attached |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 21 |  | 33303450 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX024) | Revised Appraisal was sent to borrower on XX/XX/XXXX. Evidence of actual receipt on or before closing is missing. |  |  |  | Reviewer Comment (2025-01-13): Waived at client request. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 18 |  | 33303454 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024) | No evidence of appraisal being sent to borrower 3 days prior to closing. |  |  |  | Reviewer Comment (2025-01-13): Waived at client request. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 18 |  | 33303457 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX024) |  |  |  |  | Reviewer Comment (2025-01-13): Waived at client request. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 18 |  | 33303455 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX024) | No evidence of appraisal being sent to borrower 3 days prior to closing. |  |  |  | Reviewer Comment (2025-01-13): Waived at client request. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 13 |  | 33303465 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) | Appraisal Review Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-01-27): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 27 |  | 33303474 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) |  |  |  |  | Reviewer Comment (2025-01-30): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | 3 |  | 33303477 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | Collateral Desktop Analysis Fee was last disclosed as $0.00 on LE but disclosed as $123.6 on Final Closing Disclosure, valid COC or cure not provided. |  |  |  | Reviewer Comment (2025-01-30): XXXX received Letter of Explanation, Proof of Delivery and Copy of Refund Check.<br>Buyer Comment (2025-01-29): See uploaded LOX, Refund Check, Proof of Mailing and Change of Circumstance<br>Reviewer Comment (2025-01-23): XXXX received COC dated XX/XX for adding CDA due to higher CU score on UCDP SSR. However, the UCDP report is dated XX/XX which shows the high score, and the fee was added on XX which is not within 3 business days from the date of change. More information on timeline is required or please provide cure.<br>Buyer Comment (2025-01-22): See Uploaded CoC |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | 2 |  | 33303494 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  | Reviewer Comment (2025-02-13): Cure documentation received.<br>Buyer Comment (2025-02-13): See docs provided<br>Reviewer Comment (2025-02-04): 1) The signature of the co-borrower on the corrected rescission notice appears to be completely different from the original documents she signed. <br> 2) More importantly, each borrower signed the "I Wish to Cancel" signature line on the corrected RTC. This brings into question whether the borrower intended to cancel the transaction (which would void the loan) versus having just signed by accident. We would need clarification, through a statement signed by each borrower, that there was no intent to cancel the loan for the corrected rescission signed onXX/XX/XXXXIf we can receive a signed statement from each borrower confirming (1) it was not their intent to cancel (despite signing as such) and (2) for XXXX, confirmation from her that she received the corrected rescission in light of the mis-matched signatures, we can consider for curing.<br>Buyer Comment (2025-01-31): See ROR provided |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | No |
| XXXX | XXXX | 31 | XXXX | 33518981 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $675.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-04-07): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Investment | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes |
| XXXX | XXXX | 35 | XXXX | 33518989 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Index. (FinXX/XX/XXXX025) | Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Index |  |  |  | Reviewer Comment (2025-03-03): XXXX received PCCD and LOE.<br>Seller Comment (2025-02-27): (Rate Lock) PCCD and LOX attached. Will go out with the refund check on Tuesday X/X/XX |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 35 | XXXX | 33518990 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $X,XXX,XXX is under disclosed by $140.00 compared to the calculated total of payments of $X,XXX,XXX which exceeds the $100.00 threshold. (FinXX/XX/XXXX025) | Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $X,XXX,XXX is under disclosed by $140.00 compared to the calculated total of payments of $X,XXX,XXX which exceeds the $100.00 threshold. |  |  |  | Reviewer Comment (2025-03-06): XXXX received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2025-03-05): (Rate Lock) Refund check going out with lox, CD via XXXX today XXXX XXXX XXXX<br>Reviewer Comment (2025-03-03): Copy of refund check required to cure.<br>Seller Comment (2025-02-27): (Rate Lock) Check will be uploaded upon receipt - Tuesday X/X/XX |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| XXXX | XXXX | 38 | XXXX | 33519001 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 38 | XXXX | 33519003 | XXXX | XX/XX/XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 39 | XXXX | 33519005 | XXXX | XX/XX/XXXX | Credit | Guideline | Guideline Issue | Guideline | Guidelines require one year Tax Transcript (1040) when a 1040 personal tax return was used to qualify. File contains no 1040 transcript. | Borrower: XXXXXXXXXXXXX | Borrower was qualified with rental income from schedule E. Transcripts are required. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | • XX LTV is 20 below max (80).<br>• 796822 post close reserves (60 months; or 6x). | XXXX,Aggregator<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>Aggregator,XXXX<br>XXXX | Reviewer Comment (2025-04-03): Client elected to waive the condition with the following compensating factors.<br> • XX LTV is XX below max (80). <br> • 796822 post close reserves (60 months; or 6x).<br> • Credit depth including 15-year mortgage history paid as agreed |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 39 | XXXX | 33519006 | XXXX | XX/XX/XXXX | Credit | Guideline | Guideline Issue | Guideline | Guidelines require one year Tax Transcript (1040) when a 1040 personal tax return was used to qualify. File contains no 1040 transcript. | Borrower: XXXXXXXXXXXXX | Co-borrower was self-employed and qualified with rental income from schedule E. Transcripts are required. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | • XX LTV is 20 below max (80).<br>• 796822 post close reserves (60 months; or 6x). | XXXX,Aggregator<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>Aggregator,XXXX<br>XXXX | Reviewer Comment (2025-04-03): Client elected to waive the condition with the following compensating factors.<br> • XX LTV is 20 below max (80). <br> • 796822 post close reserves (60 months; or 6x).<br> • Credit depth including 15-year mortgage history paid as agreed |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 39 | XXXX | 33519008 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX025) | No documentation in the loan file to evidence borrower was provided with a copy of the appraisal at least 3 business days prior to closing. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 40 | XXXX | 33519016 | XXXX | XX/XX/XXXX | 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 $120.00 exceeds tolerance of $60.00 plus 10% or $66.00. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $60.00 plus 10% or $66.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-18): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-04-17): LOX,PCCD, XXXX, Ck Copy |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | 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 |
| XXXX | XXXX | 40 | XXXX | 33519017 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $575.00. Insufficient or no cure was provided to the borrower. (7506) | The appraisal fee was disclosed to the borrower on the LE as $575.00, the final CD shows the fee as $950.00, there was no change of circumstance or lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-04-18): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-04-17): LOX, PCCD, XXXX, Ck Copy |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | 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 |
| XXXX | XXXX | 49 | XXXX | 33519022 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Verification of appraisal was delivered to borrower was not provided |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| XXXX | XXXX | 49 | XXXX | 33519023 | XXXX | XX/XX/XXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum open tradelines per guidelines. |  | The minimum tradeline requirement of 3 tradelines per guidelines was not met. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Job Stability; XXXX for 18 years. | XXXX<br>XXXX<br>Aggregator,XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-04-04): Client elected to waive the condition with the following Compensating Factors:<br> Credit Depth: trade history dates to XX/XXXX (24 years paid as agreed) and 11-year mortgage history paid as agreed.<br> REO Equity: 486200 equity in primary residence owned free and clear.<br> Job Stability; XXXX for 18 years. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| XXXX | XXXX | 30 |  | 33519026 | XXXX | XX/XX/XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $273,577.00 is less than the note amount of $XXX,XXX based on the Commitment in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 42 | XXXX | 33519033 | XXXX | XX/XX/XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 43 | XXXX | 33519047 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 44 | XXXX | 33519053 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $258.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75208) | Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $258.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75208) |  |  |  | Reviewer Comment (2025-04-03): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | 45 | XXXX | 33519059 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 46 | XXXX | 33519064 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX025) | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 47 | XXXX | 33519067 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.27653% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $37,820.00 on a Federal Total Loan Amount of $X,XXX,XXX vs. an investor allowable total of $34,628.14 (an overage of $3,191.86 or .27653%). | Points and Fees on subject loan of 3.27653% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $37,820.00 on a Federal Total Loan Amount of $X,XXX,XXX vs. an investor allowable total of $34,628.14 (an overage of $3,191.86 or .27653%). |  |  |  | Reviewer Comment (2025-04-09): Client elected to waive the condition on the Non-QM 1st lien |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 47 | XXXX | 33519070 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) |  |  |  |  | Reviewer Comment (2025-04-09): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 48 | XXXX | 33519073 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 48 | XXXX | 33519076 | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraiser reports total acreage to be 21.45, putting us 1.45 acres over the 20 acre max. Client exception approval in file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | DTI: XX where 50 is maximum<br>Pre close assets: 117950 61 months reserves where 3 months is required. (20X)<br>LTV XX where 80 is maximum (33 points) | XXXX,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,XXXX<br>Originator Pre-Close,Aggregator,XXXX | Reviewer Comment (2025-04-14): Client elect to waive with compensating factors:<br> DTI: XX where 50 is maximum<br> LTV XX where 80 is maximum (33 points)<br> Pre close assets: 117950 61 months reserves where 3 months is required. (20X) |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 51 | XXXX | 33519084 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Initial and Final 1003 Declarations question A. "Will you occupy the property as your primary residence?" has been answered "Yes", As per Occupancy certificate occupancy type is Investment. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| XXXX | XXXX | 52 | XXXX | 33519092 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-04-28): Rescission re-opened on the correct form<br>Reviewer Comment (2025-04-24): H-9 form received. The condition will be cured when the new 3 day rescission has passed.<br>Seller Comment (2025-04-23): See attached |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
| XXXX | XXXX | 53 | XXXX | 33519095 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $120.00 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) |  |  |  |  | Reviewer Comment (2025-04-08): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 53 | XXXX | 33519102 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR, DTI not Understated | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 53 | XXXX | 33519098 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2749124) | The payment streams on the final and post-close CD identified payment stream 2 for years 8-10 when payment stream 2 should be for year 8, payment stream 3 for year 9, and payment stream 4 for years 10-30. Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD. |  |  |  | Reviewer Comment (2025-04-28): XXXX received PCCD, LOE.<br>Seller Comment (2025-04-25): (Rate Lock) Please see attached PCCD and LOE to borrower with the corrections requested. |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | 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 |
| XXXX | XXXX | 53 | XXXX | 33519096 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX025) | The AIR Table on the final and post-close CD"s identified the Index as SOFR, it should have been identified as SOFR 30 day average. |  |  |  | Reviewer Comment (2025-04-28): XXXX received PCCD, LOE.<br>Seller Comment (2025-04-25): (Rate Lock) Please see attached PCCD and LOE to borrower with the corrections requested. |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 53 | XXXX | 33519097 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2749123) | The payment streams on the final and post-close CD identified payment stream 2 for years 8-10 when payment stream 2 should be for year 8, payment stream 3 for year 9, and payment stream 4 for years 10-30. Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD. |  |  |  | Reviewer Comment (2025-04-28): XXXX received PCCD, LOE.<br>Seller Comment (2025-04-25): (Rate Lock) Please see attached PCCD and LOE to borrower with the corrections requested. |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | 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 |
| XXXX | XXXX | 55 | XXXX | 33519112 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.50128% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,888.60 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $15,327.48 (an overage of $2,561.12 or .50128%). |  |  |  |  | Reviewer Comment (2025-04-08): Client elected to waive the condition on the Non-QM 1st lien |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 56 | XXXX | 33519120 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) |  |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 56 | XXXX | 33519123 | XXXX | XX/XX/XXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. |  | The co-borrower did not meet the minimum tradeline requirement. Client exception approval in file | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX.XX DTIis 22 below max (45).<br>Demonstrated ability save 212342.54 post-close reserves (35 months; or 2.9x) | XXXX,Originator Pre-Close,Aggregator<br>XXXX<br>XXXX<br>XXXX<br>Originator Pre-Close,Aggregator,XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-04-03): Client elected to waive the condition with the following compensating factors:<br> Credit depth dating back to XXXX (19 years) including history of managing multiple student loans and paying in full <br> XX.XX DTIis 22 below max (45). <br> Demonstrated ability save 212342.54 post-close reserves (35 months; or 2.9x) |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 57 | XXXX | 33519126 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.25846% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $38,452.50 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $36,562.50 and $1000.00 (2025) (an overage of $1,890.00 or .25846%). | NMA Points and Fees on subject loan of 5.63346% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $41,194.69 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $36,562.50 and $1000.00 (2025) |  |  |  | Reviewer Comment (2025-04-07): Client elected to waive the condition on the Non-QM 1st lien |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| XXXX | XXXX | 58 | XXXX | 33519128 | XXXX | XX/XX/XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | 108 | XXXX | 33519144 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $65.25 exceeds tolerance of $60.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee was last disclosed as $60.00 on LE , then disclosed as $65.25.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-23): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-04-22): PCCD, LOX, Check and shipping Label<br>Reviewer Comment (2025-04-09): XXXX received rebuttal. However, the credit report fee increased from $60 to $65.25 on Final CD. Therefore we would require additional cure of $5.25 in order to cure the exception. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-04-08): On the CD "Paid others" it shows that the lender paid $10 so the borrower only paid $55.25. No cure is needed |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | 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 |
| XXXX | XXXX | 59 | XXXX | 33519151 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Limited Cash-out GSE | B A | Exempt from ATR | Exempt from ATR | No |
| XXXX | XXXX | 85 | XXXX | 33519167 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | Declarations section of the initial and final 1003 identified the borrower would occupy the subject as a primary residence. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 86 | XXXX | 33519175 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR, DTI not Understated | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 86 | XXXX | 33519174 | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Minimum tradeline requirement not met. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX.XX LTVis XX below max (80)<br>XX.XX DTI is XX below max (45) | XXXX<br>XXXX<br>XXXX<br>XXXX<br>Originator Pre-Close,Aggregator,XXXX<br>Originator Pre-Close,Aggregator,XXXX<br>XXXX | Reviewer Comment (2025-04-14): Client elected to waive the condition with the following Compensating Factors:<br> 35-year trade history including 13-year mtg history paid as agreed<br> XX.XX LTVis XX below max (80)<br> XX.XX DTI is XX below max (45) |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 86 | XXXX | 33519170 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.39578% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $6,111.20 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $5,398.93 (an overage of $712.27 or .39578%). |  |  |  |  | Reviewer Comment (2025-04-14): Client elected to waive the condition on the Non-QM 1st lien |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 72 |  | 33519178 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.18510% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,565.48 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $9,724.12 (an overage of $3,841.36 or 1.18510%). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.18510% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $13,565.48 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $9,724.12 (an overage of $3,841.36 or 1.18510%). |  |  |  | Buyer Comment (2025-03-12): Initial and Final Grade B, accepted. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 63 |  | 33519181 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.78540% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $22,413.08 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $17,762.79 (an overage of $4,650.29 or .78540%). |  |  |  |  | Buyer Comment (2025-03-12): Initial and Final Grade B, accepted. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 68 |  | 33519193 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.37942% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,433.00 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $15,475.74 (an overage of $1,957.26 or .37942%). |  |  |  |  | Buyer Comment (2025-03-14): Initial and Final Grade B, accepted |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 87 | XXXX | 33519197 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX025) | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 87 | XXXX | 33519198 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:SecondaXX/XX/XXXX025) | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 87 | XXXX | 33519200 | XXXX | XX/XX/XXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. |  | Guideline requirement of 3 active tradelines not met. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | 347872.02 post-close reserves (143 months; 6x)<br>XX.XX LTV is XX% below max (80) | XXXX<br>XXXX<br>XXXX<br>Originator Pre-Close,Aggregator,XXXX<br>XXXX<br>XXXX<br>XXXX<br>Originator Pre-Close,Aggregator,XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-04-04): Client elected to waive the condition with the following Compensating Factors:<br> 30-year mortgage history paid as agreed<br> XX.XX LTV is XX% below max (80)<br> 347872.02 post-close reserves (143 months; 6x) |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 88 | XXXX | 33519203 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX025) | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 88 | XXXX | 33519205 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) | Sufficient cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2025-04-08): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 89 | XXXX | 33519208 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.26307% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $29,719.32 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $27,323.33 (an overage of $2,395.99 or .26307%). |  |  |  |  | Reviewer Comment (2025-03-26): Client elected to waive the condition on the Non-QM 1st lien<br>Seller Comment (2025-03-25): CDs |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 75 |  | 33519214 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  |  | Reviewer Comment (2025-03-13): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 75 |  | 33519215 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $215,125.12 is over disclosed by $228.00 compared to the calculated Amount Financed of $XXX,XXX 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 XX/XX/XXXX). (FinXX/XX/XXXX025) | Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $215,125.12 is over disclosed by $228.00 compared to the calculated Amount Financed of $XXX,XXX 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 |  |  |  | Reviewer Comment (2025-04-08): XXXX received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2025-04-07): Refund<br>Reviewer Comment (2025-03-17): The appraisal management fee listed in section B was not tested on the provided compliance reports.<br>Seller Comment (2025-03-14): CE - Passing |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | 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 |
| XXXX | XXXX | 75 |  | 33519216 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $410,770.77 is under disclosed by $228.00 compared to the calculated Finance Charge of $410,998.77 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX025) | Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $410,770.77 is under disclosed by $228.00 compared to the calculated Finance Charge of $410,998.77 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated |  |  |  | Reviewer Comment (2025-04-08): XXXX received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2025-04-07): Refund<br>Reviewer Comment (2025-03-17): The appraisal management fee listed in section B was not tested on the provided compliance reports.<br>Seller Comment (2025-03-14): CE - Passing |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| XXXX | XXXX | 75 |  | 33519213 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.85999% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,295.00 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $6,446.91 (an overage of $1,848.09 or .85999%). |  |  |  |  | Buyer Comment (2025-03-14): Initial and Final Grade B, accepted. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 92 | XXXX | 33519235 | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lease in file for the borrower's primary residence is not signed by the borrower. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XX% LTV is XX% below max (85).<br>XX.XX DTI is XX below max (45) | XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>Originator Pre-Close,Aggregator,XXXX<br>Aggregator,XXXX<br>XXXX | Reviewer Comment (2025-04-11): Client elected to waive the condition with the following Compensating Factors:<br> XX% LTV is XX% below max (85).<br> 7-year mortgage history paid as agreed<br> XX.XX DTI is XX below max (45) |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | 93 | XXXX | 33519238 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 7.32100% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $10,981.50 on a Original Loan Amount of $XXX,XXXvs. an allowable total of $7,500.00 and $1000.00 (2025) (an overage of $3,481.50 or 2.32100%). | FNMA Points and Fees on subject loan of 7.32100% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $10,981.50 on a Original Loan Amount of $XXX,XXXvs. an allowable total of $7,500.00 and $1000.00 |  |  |  | Reviewer Comment (2025-04-22): Client elected to waive the condition on the Non-QM 1st lien |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| XXXX | XXXX | 61 |  | 33519244 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.52316% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,867.88 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $7,551.07 (an overage of $1,316.81 or .52316%). | Fannie Mae Points and Fees exceed allowable threshold by $1,316.81 or .52316%. |  |  |  | Buyer Comment (2025-03-17): Initial and Final Grade B, accepted |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 61 |  | 33519248 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,444.75 exceeds tolerance of $1,444.00. Insufficient or no cure was provided to the borrower. (8304) | 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 $0.75, 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 (2025-04-08): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-04-07): Refund<br>Reviewer Comment (2025-03-19): XXXX received comment and snip of fees baseline which shows the initially disclosed transfer tax is $1444.58. The initial LE should show $1445.00 after rounding off the total transfer taxes however, LE shows the amount disclosed is $1444.00. Remaining cure of $0.58 is required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Seller Comment (2025-03-17): Re-Cd - Tolerance total of 1444.58 - Final CD 1444.75. .17 tolerance in Section J. |  | XX/XX/XXXX |  | 2 B | XX/XX/XXXX | XX | 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 |
| XXXX | XXXX | 107 | XXXX | 33519255 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.62376% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $5,680.00 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $5,050.00 and $1000.00 (2025) (an overage of $630.00 or .62376%). | FNMA Points and Fees on subject loan of 5.62376% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $5,680.00 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $5,050.00 and $1000.00 (2025) (an overage of $630.00 or .62376%). |  |  |  | Reviewer Comment (2025-04-10): Client elected to waive the condition on the Non-QM 1st lien |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| XXXX | XXXX | 107 | XXXX | 33519256 | XXXX | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | XXXX Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty) | XXXX Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance. | Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance. |  |  |  | Reviewer Comment (2025-04-15): Client elected to waive this condition: <br>XXXX<br>XXXX has agreed this exception can be waived for XXXX. Please let me know if you have any questions.<br>Thanks!<br>XXXXXXXXXXXXX<br> XXXXXXXXXXXXX \| Fixed Income Division |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| XXXX | XXXX | 97 | XXXX | 33519287 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.90347% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $5,558.58 on a Federal Total Loan Amount of $XXX,XXX vs. an investor allowable total of $4,272.03 (an overage of $1,286.55 or .90347%). |  |  |  |  | Reviewer Comment (2025-04-07): Client elected to waive the condition on the Non-QM 1st lien |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 77 |  | 33519294 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX025) | There was no proof that the CDA was sent to the borrower |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 98 | XXXX | 33519303 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Client:311XX/XX/XXXX025) | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| XXXX | XXXX | 66 |  | 33519306 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.92338% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $30,498.00 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $25,743.75 and $1000.00 (2025) (an overage of $4,754.25 or .92338%). | FNMA Points and Fees on subject loan of 5.92338% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $30,498.00 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $25,743.75 and $1000.00 (2025) (an overage of $4,754.25 or .92338%). |  |  |  | Buyer Comment (2025-03-26): Initial and Final Grade B, accepted. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| XXXX | XXXX | 66 |  | 33519307 | XXXX | XX/XX/XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Lender exception approval in file for project not being warrantable. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 28.28 months reserves. | XXXX,Originator Pre-Close,Aggregator<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-03-26): Client elected to waive the condition with the following Comp Factor: 28.28 months reserves. |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| XXXX | XXXX | 62 |  | 33519323 | XXXX | XX/XX/XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 65 |  | 33519342 | XXXX | XX/XX/XXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. |  | The borrower does not meet the minimum tradeline requirement. Lender exception approval in file. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | Residual income of $6,565 monthly<br>LTV of XX% is lt max allowed of 90% | XXXX,Originator Pre-Close,Aggregator<br>XXXX<br>XXXX<br>Originator Pre-Close,Aggregator,XXXX<br>XXXX | Reviewer Comment (2025-03-28): Client elected to waive the condition with the following Comp Factor: Residual income of $6,565 monthly and LTV of XX% is lt max allowed of 90% |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | 37 |  | 33519363 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $96.00 exceeds tolerance of $90.00. Sufficient or excess cure was provided to the borrower at Closing. (7505) |  |  |  |  | Reviewer Comment (2025-03-12): Sufficient Cure Provided At Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | XXXX | 105 | XXXX | 33519373 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (7730) |  |  |  |  | Reviewer Comment (2025-04-04): Sufficient Cure Provided within 60 Days of Closing |  | XX/XX/XXXX |  | 1 A | XX/XX/XXXX | XX | 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) A | Non QM | Non QM | Yes |
| XXXX | XXXX | 99 |  | 33519391 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX025) | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2025-04-24): Acknowledged non material EV2<br>Reviewer Comment (2025-04-22): Appraisal Delivery Confirm Delivered on XX/XX/XXXX which is within 3 days of Closing date of XX/XX/XXXX. No timing waiver provided. Exception Remains<br>Buyer Comment (2025-04-21): Appraisal delivery |  |  | XX/XX/XXXX | 2 B | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |

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## Exhibit 99.1

![](situsamc_logo.jpg)

**Valuation Report**

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |  |
| **XXXX Loan ID** | **Customer Loan ID** | **Edgar Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal FSD Score** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal FSD Score** | **Second Appraisal Desk Review Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | 1 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | 6 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
| XXXX | XXXX | 10 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX | XXXX | 7 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Field Review | XXXX |  |  |  |  |  |  |  |  | $XXX | $XXX | -11.215% | XXXX | High | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.70 |
| XXXX | XXXX | 23 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 16 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| XXXX | XXXX | 15 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 19 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | 8 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 20 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| XXXX | XXXX | 24 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | -0.850% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| XXXX | XXXX | 17 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | 11 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| XXXX | XXXX | 14 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| XXXX | XXXX | 21 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| XXXX | XXXX | 18 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.10 |
| XXXX | XXXX | 9 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 12 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | 26 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | 22 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | 13 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| XXXX | XXXX | 25 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 27 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.20 |
| XXXX | XXXX | 3 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| XXXX | XXXX | 5 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 4 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 2 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 28 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 31 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 34 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 35 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 36 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 38 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 39 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 40 | XXXX | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 49 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 30 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 41 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 42 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 106 | XXXX | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 43 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | 44 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | 45 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 46 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 47 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | XXXX | 48 | XXXX | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 50 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 51 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 52 | XXXX | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 13.954% | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 53 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 54 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 55 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 56 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 57 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | 58 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 108 | XXXX | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | XXXX | 59 | XXXX | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 60 | XXXX | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 83 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | XXXX | 84 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 85 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 86 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | 72 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | 63 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 69 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | 68 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 87 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | -6.400% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 88 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 89 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 75 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 71 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| XXXX | XXXX | 80 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 91 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 92 | XXXX | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 93 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 64 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 61 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | 94 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 107 | XXXX | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 76 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 78 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | 95 | XXXX | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 32 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.229% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.229% | XXXX | Moderate | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX | XXXX | 33 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| XXXX | XXXX | 96 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 97 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XXXX | XXXX | 77 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | -7.013% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 67 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 98 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| XXXX | XXXX | 66 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | 81 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 100 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | 101 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXXX | XXXX | 62 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 102 | XXXX | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | 103 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 65 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXXX | XXXX | 73 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 70 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXXX | XXXX | 74 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | 82 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 37 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Field Review | XXXX |  |  |  |  |  |  |  |  | $XXX | $XXX | -10.178% | XXXX | High | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | XXXX | 79 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | 105 | XXXX | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | 29 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 15.152% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 15.152% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 90 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 99 |  | XX/XX/XXXX | $XXX |  | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 104 |  | XX/XX/XXXX | $XXX | $XXX | $XXX | $XXX | 0.000% | $XXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  | $XXX | $XXX | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.1

![](situsamc_logo.jpg)

**Data Compare (Non-Ignored)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Edgar Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | 1 |  |  | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 1 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 1 |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | 1 |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | 6 |  |  | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 6 |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 6 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 10 |  |  | Zip |  | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | 10 |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | 10 |  |  | Original CLTV |  | XX.XX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | 10 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 7 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | XX.XX is correct Housing DTI per loan documents and 1008. |
| XXXX | XXXX | 23 |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 23 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 16 |  |  | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 16 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 16 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | XX.XX is total DTI. |
| XXXX | XXXX | 15 |  |  | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 15 |  |  | Original Loan Amount | $XXX | $XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 15 |  |  | Amortization Term | XXX | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 15 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 19 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 19 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 8 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 20 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 24 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 17 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 11 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 11 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 14 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 21 |  |  | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 21 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 21 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | XX.XX% includes all debt. |
| XXXX | XXXX | 18 |  |  | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 18 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 18 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | XX.XX% includes all debts. |
| XXXX | XXXX | 9 |  |  | Investor: Qualifying Housing Ratio | XX.XX |  | Verified | Field value reflects source document |
| XXXX | XXXX | 12 |  |  | Amortization Term | XXX | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 12 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 26 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 22 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 13 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 25 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 25 |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 25 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 27 |  |  | Investor: Qualifying Housing Ratio | XX.XX | XX.XX | Verified | Field value reflects source document |
| XXXX | XXXX | 3 |  |  | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | 3 |  |  | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 3 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 3 |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | 3 |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | 3 |  |  | Contract Sales Price |  | $XXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 3 |  |  | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 5 |  |  | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | 5 |  |  | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 5 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 5 |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | 5 |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | 5 |  |  | Contract Sales Price |  | $XXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX | XXXX | 5 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | 5 |  |  | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 4 |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 2 |  |  | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 2 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | 2 |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXXX | 2 |  |  | Interest Only Period |  | XXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | 2 |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXXX | 2 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | 2 |  |  | Guideline Name |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | 31 |  | XXXX | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 31 |  | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 31 |  | XXXX | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 31 |  | XXXX | Original HCLTV | XX.XX | XX.XX | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| XXXX | XXXX | 31 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI X.X% |
| XXXX | XXXX | 35 |  | XXXX | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 36 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI 14.062% |
| XXXX | XXXX | 39 |  | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 40 |  | XXXX | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 40 |  | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 40 |  | XXXX | Original CLTV | XX.XX | XX.XX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | 49 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.X% |
| XXXX | XXXX | 30 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 30 |  |  | Borrower Mailing Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 30 |  |  | Borrower Mailing City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 30 |  |  | Borrower Mailing Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | 106 |  | XXXX | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 106 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI X.XX% |
| XXXX | XXXX | 43 |  | XXXX | Original Loan Amount | $XXX | $XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 43 |  | XXXX | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 44 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 45 |  | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 45 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 46 |  | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 46 |  | XXXX | Original Interest Rate | XX | XX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 47 |  | XXXX | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 48 |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 48 |  | XXXX | Original CLTV | XX.XX | XX.XX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | 48 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 51 |  | XXXX | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 51 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 52 |  | XXXX | Original CLTV | XX.XX | XX.XX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | 53 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | 54 |  | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 54 |  | XXXX | Original Loan Amount | $XXX | $XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 54 |  | XXXX | Property Type | 4 Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 54 |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 54 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 54 |  | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 55 |  | XXXX | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 55 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 56 |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | 58 |  | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 108 |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 108 |  | XXXX | Original CLTV | XX.XX | XX.XX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | 108 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 59 |  | XXXX | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 59 |  | XXXX | Original CLTV | XX.XX | XX.XX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | 60 |  | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | 83 |  | XXXX | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 83 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 84 |  | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 84 |  | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | 84 |  | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 86 |  | XXXX | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 72 |  |  | Borrower Mailing Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 72 |  |  | Borrower Mailing City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 72 |  |  | Borrower Mailing Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | 63 |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | 63 |  |  | Borrower Mailing Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 63 |  |  | Borrower Mailing City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 69 |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 68 |  |  | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | 87 |  | XXXX | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 88 |  | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 88 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 75 |  |  | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 91 |  | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 91 |  | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 91 |  | XXXX | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 91 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 92 |  | XXXX | Original Loan Amount | $XXX | $XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 92 |  | XXXX | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 93 |  | XXXX | Original Loan Amount | $XXX | $XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 93 |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 61 |  |  | Borrower Mailing Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 61 |  |  | Borrower Mailing Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | 94 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 107 |  | XXXX | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 107 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 76 |  |  | Borrower Self-Employed? | 1 | 0 | Verified | Field Value verified by Income, Employment, Credit or other documentation in file |
| XXXX | XXXX | 78 |  |  | Borrower Mailing Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 78 |  |  | Borrower Mailing City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 78 |  |  | Borrower Mailing Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | 95 |  | XXXX | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 33 |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 96 |  | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 96 |  | XXXX | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 96 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI XX.XX% |
| XXXX | XXXX | 97 |  | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 67 |  |  | Borrower Mailing City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 98 |  | XXXX | Original Loan Amount | $XXX | $XXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 98 |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 66 |  |  | Prepayment Penalty Period (months) |  | XX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | 66 |  |  | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| XXXX | XXXX | 81 |  |  | Borrower Mailing Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 81 |  |  | Borrower Mailing City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 81 |  |  | Borrower Mailing Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | 100 |  | XXXX | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 100 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | 1008 DTI is XX.XX% |
| XXXX | XXXX | 100 |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | 101 |  | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | 62 |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | 62 |  |  | Borrower Mailing Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 62 |  |  | Borrower Mailing City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | 62 |  |  | Borrower Mailing Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | 102 |  | XXXX | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | 103 |  | XXXX | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | 65 |  |  | Borrower Mailing Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | 70 |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 70 |  |  | Appraised Value | $XXX | $XXX | Verified | Field Value captured from Valuation model in file |
| XXXX | XXXX | 37 |  |  | Note Date |  | XX/XX/XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 37 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI matches 1008 DTI. |
| XXXX | XXXX | 79 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 29 |  |  | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | 29 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 29 |  |  | Original CLTV | XX.XX | XX.XX | Verified | Delayed Finance Lower of sales price or Appraisal value used |
| XXXX | XXXX | 29 |  |  | Original LTV | XX.XX | XX.XX | Verified | Delayed Finance Lower of sales price or Appraisal value used |
| XXXX | XXXX | 29 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Per 1008 DTI is XX.XX% and calculated DTI is XX.XX% due to the net rental income of REO XXXX XXXXof $-478.07 vs 1003 of $-304.00. Also HOA $XXX per month on REOS vs XXXX of $$XXX from previous months amount. |
| XXXX | XXXX | 29 |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| XXXX | XXXX | 90 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 90 |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | 90 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | 99 |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | 99 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | 99 |  |  | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| XXXX | XXXX | 104 |  |  | Note Date |  | XX/XX/XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | 104 |  |  | Original Interest Rate | XX | XX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | 104 |  |  | Representative FICO | XXX | XXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | 104 |  |  | Investor: Qualifying Total Debt Ratio | XX.XX | XX.XX | Verified | Field Value DTI is within tolerance of the 1008 DTI of XX.XX%. |

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## Exhibit 99.2

**Exhibit 99.2**

![](n5122clarifii_logo.jpg)

**EXECUTIVE SUMMARY**

**BRAVO 2025-NQM6**

**By Clarifii LLC on June 11, 2025**

BRAVO 2025-NQM6 Due Diligence Narrative Report - page \| 1

![](n5122clarifii_logo.jpg)

 **CLARIFII CONTACT INFORMATION** 

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

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**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 166 loans (the "Loans") and these loans were subsequently acquired by Loan Funding Structure VI LLC (the "Client") for the BRAVO 2025-NQM6 transaction. The loans referenced in this narrative report were reviewed 04/2024 through 04/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;38 | &nbsp;&nbsp;22.89% | &nbsp;&nbsp;$16516150.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;53 | &nbsp;&nbsp;31.93% | &nbsp;&nbsp;$35254921.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;8 | &nbsp;&nbsp;4.82% | &nbsp;&nbsp;$5149135.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;67 | &nbsp;&nbsp;40.36% | &nbsp;&nbsp;$35170856.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**166** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$92091062.00** |

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The Review consisted of a population of 166 loans, with an aggregate principal balance of $92,091,062.00.

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

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

**LOAN SAMPLING**

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

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| | |
|:---|:---|
| &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 26, 2023 |

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**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |

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| |
|:---|
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Date Last Rate Was Set |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Mortgage Insurance Flag |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |

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| |
|:---|
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraisal Date |
| &nbsp;&nbsp;Primary Appraisal Type |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Property Value Flag - Primary Appraised Property Value |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Debt/Income Ratio |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

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– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

- The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

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– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower name variations

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject property ownership history

– Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan officer

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

● **Property Insurance and Taxes** 

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **Anti-Predatory Lending (Assignee Liability)** 

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

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

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

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

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within the

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required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019).

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

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**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

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

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![](n5122clarifii_logo.jpg)

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

The two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| **Valuation Product** | **# of Files – No Hit** | **# of Files > -10% Variance to OA or Confidence < 80%** | **Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| AVM | 0 | 0 | 1 |
| BPO | 0 | 0 | 0 |
| CU or LCA Score <=2.5 | 0 | 0 | 65 |
| Desk Review | 0 | 0 | 91 |
| Field Review | 0 | 0 | 0 |
| Second Full Appraisal | 0 | 0 | 9 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

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![](n5122clarifii_logo.jpg)

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

BRAVO 2025-NQM6 Due Diligence Narrative Report - page \| 16

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**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Overall** | **Loan Count** | **% of Sample** |
| A | 125 | 75.30% |
| B | 41 | 24.70% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **166** | **100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 138 | 83.13% |
| B | 28 | 16.87% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **166** | **100.00%** |

---

BRAVO 2025-NQM6 Due Diligence Narrative Report - page \| 17

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **Loan Count** | **% of Sample** |
| A | 161 | 96.99% |
| B | 5 | 3.01% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **166** | **100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **Loan Count** | **% of Sample** |
| A | 154 | 92.77% |
| B | 12 | 7.23% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **166** | **100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.01% | &nbsp;&nbsp;$7774800.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;161 | &nbsp;&nbsp;96.99% | &nbsp;&nbsp;$84316262.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**166** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$92091062.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;46 | &nbsp;&nbsp;27.71% | &nbsp;&nbsp;$38911494.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;8 | &nbsp;&nbsp;4.82% | &nbsp;&nbsp;$4947600.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;112 | &nbsp;&nbsp;67.47% | &nbsp;&nbsp;$48231968.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**166** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$92091062.00** |

---

BRAVO 2025-NQM6 Due Diligence Narrative Report - page \| 18

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**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;67 | &nbsp;&nbsp;40.36% | &nbsp;&nbsp;$44238304.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;99 | &nbsp;&nbsp;59.64% | &nbsp;&nbsp;$47852758.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**166** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$92091062.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;166 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$92091062.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**166** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$92091062.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.20% | &nbsp;&nbsp;$1226500.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;164 | &nbsp;&nbsp;98.80% | &nbsp;&nbsp;$90864562.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**166** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$92091062.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| **Data Comparison Fields** | **Loans With Discrepancy** | **Total Times Compared** | **Accuracy %** |
| Amortization Term | 0 | 19 | 100.00% |
| Amount of Other Lien | 1 | 2 | 50.00% |
| Application Date | 1 | 6 | 83.33% |
| ARM Initial Fixed Rate Period | 1 | 2 | 50.00% |
| Balloon Flag | 0 | 5 | 100.00% |
| Borrower 1 Any Outstanding Judgments? | 0 | 2 | 100.00% |
| Borrower 1 Any part of down payment borrowed? | 0 | 2 | 100.00% |
| Borrower 1 Bankruptcy in past 7 years? | 0 | 4 | 100.00% |
| Borrower 1 Birthdate | 0 | 6 | 100.00% |
| Borrower 1 Citizen | 0 | 2 | 100.00% |

---

BRAVO 2025-NQM6 Due Diligence Narrative Report - page \| 19

![](n5122clarifii_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Borrower 1 Country Name | 1 | 2 | 50.00% |
| Borrower 1 Credit Report Date | 0 | 2 | 100.00% |
| Borrower 1 Do you intend to occupy property as primary residence? | 0 | 2 | 100.00% |
| Borrower 1 Email or Internet | 0 | 4 | 100.00% |
| Borrower 1 Employer 1 Position | 0 | 2 | 100.00% |
| Borrower 1 Employer 1 Years in Line of Work | 1 | 1 | 0.00% |
| Borrower 1 Ethnicity - I do not wish to provide this information | 0 | 2 | 100.00% |
| Borrower 1 Ethnicity - Not Hispanic or Latino | 0 | 2 | 100.00% |
| Borrower 1 First Name | 0 | 64 | 100.00% |
| Borrower 1 Foreclosure in past 7 years? | 0 | 2 | 100.00% |
| Borrower 1 FTHB | 0 | 2 | 100.00% |
| Borrower 1 Has there been ownership in a property in last 3 yrs | 0 | 2 | 100.00% |
| Borrower 1 How was title held? | 0 | 1 | 100.00% |
| Borrower 1 Last Name | 0 | 166 | 100.00% |
| Borrower 1 Marital Status | 0 | 2 | 100.00% |
| Borrower 1 Name of Employer1 | 0 | 2 | 100.00% |
| Borrower 1 Originator Citizenship Designation | 0 | 3 | 100.00% |
| Borrower 1 Other Income | 1 | 2 | 50.00% |
| Borrower 1 Phone Number | 0 | 3 | 100.00% |
| Borrower 1 Qualifying Income | 0 | 2 | 100.00% |
| Borrower 1 Race - I do not wish to provide this information | 0 | 2 | 100.00% |
| Borrower 1 Race - White | 0 | 2 | 100.00% |
| Borrower 1 Rent or Own | 0 | 2 | 100.00% |
| Borrower 1 Self-Employment Flag | 0 | 3 | 100.00% |
| Borrower 1 Sex - Female | 0 | 1 | 100.00% |
| Borrower 1 Sex - I do not wish to provide this information | 0 | 2 | 100.00% |
| Borrower 1 Sex - Male | 0 | 1 | 100.00% |
| Borrower 1 SSN | 0 | 32 | 100.00% |
| Borrower 1 Telephone Interview | 0 | 2 | 100.00% |
| Borrower 1 Years in Current Home | 1 | 2 | 50.00% |
| Borrower 2 First Name | 0 | 8 | 100.00% |
| Borrower 2 Last Name | 0 | 8 | 100.00% |
| Borrower 2 Qualifying Income | 0 | 1 | 100.00% |
| Business Purpose Flag | 1 | 12 | 91.67% |
| Calculated DSCR | 35 | 94 | 62.77% |
| Cash Disbursement Date | 1 | 17 | 94.12% |
| Cash out Include Debt Paid at Close | 0 | 2 | 100.00% |
| Date Last Rate Was Set | 1 | 3 | 66.67% |
| FHA Streamline/VA IRRL Indicator | 0 | 2 | 100.00% |
| First Payment Date | 0 | 18 | 100.00% |

---

BRAVO 2025-NQM6 Due Diligence Narrative Report - page \| 20

![](n5122clarifii_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| HOA Flag | 0 | 3 | 100.00% |
| Index | 0 | 1 | 100.00% |
| Initial Monthly P&I Or IO Payment | 0 | 17 | 100.00% |
| Initial Originator Signature Date | 0 | 2 | 100.00% |
| Interest Only Flag | 1 | 161 | 99.38% |
| Interest Rate | 2 | 152 | 98.68% |
| Investor Loan ID | 0 | 43 | 100.00% |
| Lender Name | 3 | 133 | 97.74% |
| Lien Position | 0 | 22 | 100.00% |
| Loan Amount | 5 | 149 | 96.64% |
| Loan ID | 0 | 166 | 100.00% |
| Loan Origination Company | 0 | 2 | 100.00% |
| Loan Origination Company NMLS | 0 | 2 | 100.00% |
| Loan Program | 0 | 162 | 100.00% |
| Loan Purpose | 0 | 21 | 100.00% |
| Loan Type | 0 | 3 | 100.00% |
| Margin | 0 | 1 | 100.00% |
| Maturity Date | 0 | 18 | 100.00% |
| MIN No | 0 | 5 | 100.00% |
| Monthly Property Tax Amount | 0 | 1 | 100.00% |
| Mortgage Insurance Flag | 0 | 1 | 100.00% |
| Negative Amortization Flag | 0 | 2 | 100.00% |
| Note Date | 3 | 6 | 50.00% |
| Note Type | 0 | 28 | 100.00% |
| Number of Borrowers | 0 | 3 | 100.00% |
| Number of Mortgaged Properties | 0 | 2 | 100.00% |
| Number of Units | 0 | 19 | 100.00% |
| Occupancy | 0 | 151 | 100.00% |
| Origination Foreclosure Flag | 0 | 2 | 100.00% |
| Originator Doc Type | 3 | 63 | 95.24% |
| Originator QM Status | 1 | 2 | 50.00% |
| Payment Frequency | 0 | 2 | 100.00% |
| Prepayment Penalty Flag | 0 | 12 | 100.00% |
| Prepayment Penalty Total Term | 10 | 22 | 54.55% |
| Primary Appraisal Date | 0 | 1 | 100.00% |
| Primary Appraisal Type | 0 | 1 | 100.00% |
| Primary Appraised Property Value | 0 | 19 | 100.00% |
| Property Address | 4 | 165 | 97.58% |
| Property City | 3 | 165 | 98.18% |
| Property County | 0 | 7 | 100.00% |
| Property Rights | 0 | 2 | 100.00% |
| Property State | 0 | 20 | 100.00% |
| Property Type | 16 | 150 | 89.33% |
| Property Value | 4 | 32 | 87.50% |

---

BRAVO 2025-NQM6 Due Diligence Narrative Report - page \| 21

![](n5122clarifii_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Property Zip Code | 1 | 143 | 99.30% |
| QM Qualifying Total Debt Income Ratio | 0 | 1 | 100.00% |
| Qualifying Amortization Term | 0 | 12 | 100.00% |
| Qualifying CLTV | 0 | 43 | 100.00% |
| Qualifying FICO | 6 | 160 | 96.25% |
| Qualifying Housing Debt Income Ratio | 0 | 13 | 100.00% |
| Qualifying LTV | 15 | 146 | 89.73% |
| Qualifying Property Value Flag - Primary Appraised Property Value | 0 | 14 | 100.00% |
| Qualifying Total Debt Income Ratio | 24 | 92 | 73.91% |
| Qualifying Total Housing Expense PITIA | 2 | 12 | 83.33% |
| Qualifying Total Reserves Number of Months | 2 | 14 | 85.71% |
| Refinance Type | 2 | 70 | 97.14% |
| Sales Price | 0 | 26 | 100.00% |
| Seller Loan ID | 0 | 166 | 100.00% |
| Term | 0 | 135 | 100.00% |
| Total Debt/Income Ratio | 0 | 3 | 100.00% |
| Total Qualified Assets Available For Reserves | 0 | 2 | 100.00% |
| Total Qualifying Income | 0 | 2 | 100.00% |
| ULI | 0 | 6 | 100.00% |
| Vested Business Entity Name | 0 | 11 | 100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

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

**Disclaimer**

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

BRAVO 2025-NQM6 Due Diligence Narrative Report - page \| 22

![](n5122clarifii_logo.jpg)

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

 

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

 

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

 

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

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## Exhibit 99.2

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** |
| XXXX | 351 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/08/2024 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 30332.64 | XXXX | 6.820% | Manual Underwriting | Manual Underwriting | No | 8.496% |  | 8.250% | 8.250% | XXXX | No |  | XXXX | XXXX | $1386.96 | $115.58 | XXXX | XXXX | $0.00 | $12233.76 | $33205.10 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 22.24% | 39.50% | 39.50% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 51.00% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 \|\| Co Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 352 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 10.375% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $10327.92 | $860.66 | XXXX | XXXX | $0.00 | $23152.10 | $183898.31 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 17.08% | 17.08% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX |
| XXXX | 353 | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | N/A | 22385 | XXXX | 6.040% |  |  | No | 7.261% |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $876.96 | $73.08 | XXXX | XXXX | $0.00 | $7643.30 | $17702.26 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 31.75% | 31.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | PTIN | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - YTD Profit And Loss Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX |
| XXXX | 354 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 1495 | XXXX | 7.150% |  |  | No | 8.152% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $19540.08 | $1628.34 | XXXX | XXXX | $3645.83 | $35968.87 | $81814.86 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 31.32% | 32.94% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 25.00% | 25.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2023 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2023, 2024 | Borrower - 2024, 2023 \|\| Co Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 355 | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | N/A | 15125 | XXXX | 6.400% |  |  | No | 7.980% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1613.04 | $134.42 | XXXX | XXXX | $0.00 | $4699.41 | $6823.38 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 44.51% | 44.51% | No | Unknown |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 14 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | PTIN | N/A | N/A | 0 | Missing | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified - 2022, 2023, 2024 | Borrower - 2023, 2024 \|\| Co Borrower - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 356 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $3621.24 | $301.77 | XXXX | XXXX | $0.00 | $7559.78 | $176206.32 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 28.10% | 28.10% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 357 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $4499.16 | $374.93 | XXXX | XXXX | $0.00 | $5038.19 | $11716.29 | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 44.70% | 44.70% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), SEPartnership, SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified - 2024, 2023, 2022, 2021 \|\| Co Borrower | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), 2 YRS Executed 4506T Verified - 2024, 2023, 2022, 2021 \|\| Co Borrower | XXXX | XXXX |
| XXXX | 358 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.750% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1727.04 | $143.92 | XXXX | XXXX | $0.00 | $1261.68 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.189 | 1.239 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 359 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1242.00 | $103.50 | XXXX | XXXX | $0.00 | $1330.77 | $6786.46 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 40.85% | 40.85% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | XXXX | XXXX |
| XXXX | 360 | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | N/A | 12995 | XXXX | 6.780% |  |  | No | 6.844% |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $6917.04 | $576.42 | XXXX | XXXX | $0.00 | $8135.05 | $14727.95 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 44.96% | 44.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 361 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  | $0.00 | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1218.00 | $101.50 | XXXX | XXXX | $0.00 | $1031.52 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.357 | 1.357 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 362 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 20295 | XXXX | 6.690% |  |  | No | 7.360% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $7391.04 | $615.92 | XXXX | XXXX | $0.00 | $14358.51 | $1208244.33 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 6.85% | 6.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 363 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | Yes | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $2951.04 | $245.92 | XXXX | XXXX | $0.00 | $6846.39 | $60018.20 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 27.10% | 27.10% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 144 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | XXXX | XXXX |
| XXXX | 364 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $2700.00 | $225.00 | XXXX | XXXX | $0.00 | $3328.60 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.562 | 1.53 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 365 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1535.28 | $127.94 | XXXX | XXXX | $0.00 | $1743.20 |  | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.001 | 1 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 366 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8514.07 | XXXX | 6.690% |  |  | No | 7.350% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $2226.96 | $185.58 | XXXX | XXXX | $0.00 | $11105.33 | $36725.98 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 34.93% | 34.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 65 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 367 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 21999 | XXXX | 6.760% |  |  | No | 7.635% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1226.04 | $102.17 | XXXX | XXXX | $0.00 | $9380.58 | $26759.75 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 26.05% | 26.05% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | Third-Party Prepared (Unaudited) | 22 | CPA | N/A | N/A | 0 | Yes | 150 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 \|\| Co Borrower | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX |
| XXXX | 368 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $3137.64 | $261.47 | XXXX | XXXX | $0.00 | $6318.88 | $72073.79 | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 39.80% | 39.80% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 60.30% | 80.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 369 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  | $0.00 | 7.750% |  | XXXX | No |  | XXXX | XXXX | $1416.00 | $118.00 | XXXX | XXXX | $0.00 | $1293.87 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.353 | 1.353 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 370 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $857.04 | $71.42 | XXXX | XXXX | $0.00 | $1262.55 | $5032.68 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 48.40% | 48.40% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 30 | 30 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 371 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $747.12 | $62.26 | XXXX | XXXX | $0.00 | $4000.69 |  | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.495 | 1.484 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 372 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2285 | XXXX | 6.780% |  |  | No | 7.527% |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $3216.84 | $268.07 | XXXX | XXXX | $0.00 | $18155.40 | $44536.13 | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 29.21% | 29.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | Yes | 49 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 373 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1383.96 | $115.33 | XXXX | XXXX | $0.00 | $1842.81 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.194 | 1.25 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 374 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $630.96 | $52.58 | XXXX | XXXX | $0.00 | $3239.26 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.019 | 1.01 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 375 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $627.96 | $52.33 | XXXX | XXXX | $0.00 | $3422.37 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.023 | 1.01 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 376 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1856.04 | $154.67 | XXXX | XXXX | $0.00 | $2045.69 | $6410.38 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 33.92% | 33.92% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024 \|\| Co Borrower | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024 \|\| Co Borrower | XXXX | XXXX |
| XXXX | 377 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $1126.92 | $93.91 | XXXX | XXXX | $0.00 | $1954.83 |  | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1 | 1 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 378 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 21095 | XXXX | 6.590% |  |  | No | 7.383% |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $4673.40 | $389.45 | XXXX | XXXX | $0.00 | $7202.76 | $28868.70 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 22.60% | 22.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 379 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1405.44 | $117.12 | XXXX | XXXX | $0.00 | $3912.72 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.15 | 1.143 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 380 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $2649.96 | $220.83 | XXXX | XXXX | $0.00 | $4947.97 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.011 | 1.011 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 381 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1005.36 | $83.78 | XXXX | XXXX | $0.00 | $3002.14 | $34827.43 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 19.12% | 19.12% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 51.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower | XXXX | XXXX |
| XXXX | 382 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $748.08 | $62.34 | XXXX | XXXX | $0.00 | $1508.88 | $11729.64 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 23.23% | 23.23% | Yes | Yes |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2022, 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2022, 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2022, 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 383 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $1778.04 | $148.17 | XXXX | XXXX | $0.00 | $26946.92 | $112298.69 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 45.52% | 45.52% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 90.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 384 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $1854.00 | $154.50 | XXXX | XXXX | $0.00 | $5536.23 | $29909.13 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 41.05% | 41.05% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 69.20% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 132 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX |
| XXXX | 385 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.490% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $924.00 | $77.00 | XXXX | XXXX | $0.00 | $1657.58 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.011 | 1.011 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 386 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $2428.80 | $202.40 | XXXX | XXXX | $0.00 | $4924.55 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.239 | 1.247 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 387 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor Verified (V SH) | Yes | No | Yes | Option 3 - Underwritten to Proprietary Lender Guidelines | N/A | 7228.28 | XXXX | 6.880% |  |  | No | 7.885% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $2670.84 | $222.57 | XXXX | XXXX | $0.00 | $3991.72 | $44556.46 | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 18.62% | 18.62% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Work Number |  |  | 0 |  | No | 0 |  | Yes | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 388 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | XXXX | 6.880% |  |  | No | 7.398% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $4521.00 | $376.75 | XXXX | XXXX | $0.00 | $7897.16 | $44422.01 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 31.10% | 31.10% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 81.70% | 0.00% | 99.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | Yes | 62 | 62 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 389 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $311.52 | $25.96 | XXXX | XXXX | $0.00 | $1343.66 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.116 | 1.116 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 390 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4548.8 | XXXX | 6.690% |  |  | No | 7.684% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $2787.96 | $232.33 | XXXX | XXXX | $0.00 | $1547.45 | $3891.39 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 41.24% | 41.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 66 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 391 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $2313.96 | $192.83 | XXXX | XXXX | $0.00 | $2864.98 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.257 | 1.26 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 392 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $3444.00 | $287.00 | XXXX | XXXX | $0.00 | $6083.11 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.414 | 1.611 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 393 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | XXXX | 6.630% |  |  | No | 7.888% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $27536.04 | $2294.67 | XXXX | XXXX | $0.00 | $23947.43 | $3220632.04 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 1.49% | 1.49% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, null Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower | Borrower - null Executed 4506T Verified - 2023, 2024 \|\| Co Borrower | XXXX | XXXX |
| XXXX | 394 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9310 | XXXX | 6.630% |  |  | No | 7.707% |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $3521.04 | $293.42 | XXXX | XXXX | $0.00 | $5500.22 | $8754.36 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 38.73% | 38.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 395 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1570 | XXXX | 6.690% |  |  | No | 7.883% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $9810.96 | $817.58 | XXXX | XXXX | $0.00 | $30356.56 | $82604.16 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 33.53% | 33.53% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 42.52% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 240 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX |
| XXXX | 396 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $2016.96 | $168.08 | XXXX | XXXX | $0.00 | $5462.72 | $33631.04 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 33.71% | 33.71% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 132 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX |
| XXXX | 397 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $2357.04 | $196.42 | XXXX | XXXX | $0.00 | $2922.42 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.506 | 1.17 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 398 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $3023.04 | $251.92 | XXXX | XXXX | $0.00 | $1683.39 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.871 | 1.788 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 399 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $1254.00 | $104.50 | XXXX | XXXX | $0.00 | $3312.14 | $19707.62 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 42.76% | 42.76% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 400 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7037.43 | XXXX | 6.830% |  |  | No | 8.061% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $3651.96 | $304.33 | XXXX | XXXX | $0.00 | $2809.50 | $15521.32 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 20.03% | 20.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 401 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $7441.68 | $620.14 | XXXX | XXXX | $0.00 | $21867.30 | $45475.59 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 38.06% | 38.06% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 10 | PTIN |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | No | Borrower - SESCorp, SESCorp, SESCorp, SESCorp, SESCorp, SESCorp, SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 402 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $2036.52 | $169.71 | XXXX | XXXX | $0.00 | $2337.61 | $3534.56 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 46.72% | 46.72% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 12 | Other | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2022, 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 403 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | QM: Safe Harbor Verified (V SH) | Yes | Yes | Yes | Option 3 - Underwritten to Proprietary Lender Guidelines | N/A | 5656 | XXXX | 6.400% |  | Accept | No | 7.540% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $2922.36 | $243.53 | XXXX | XXXX | $0.00 | $2620.05 | $8115.60 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 44.39% | 44.39% | Yes | Yes |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 36 | 36 | FNMA 1005 | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - Wage, SSI and Disability, Retirement - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 404 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1935.96 | $161.33 | XXXX | XXXX | $0.00 | $1587.02 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.008 | 1.008 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 405 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 12837.4 | XXXX | 6.630% |  |  | No | 7.187% |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $156.00 | $13.00 | XXXX | XXXX | $0.00 | $7552.47 | $13335.53 | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 37.85% | 37.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 406 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1720 | XXXX | 6.760% |  |  | No | 7.462% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1897.08 | $158.09 | XXXX | XXXX | $0.00 | $7506.05 | $11414.94 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 47.49% | 47.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 40 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 407 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $942.96 | $78.58 | XXXX | XXXX | $0.00 | $5098.55 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.079 | 1.12 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 408 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/07/2024 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1475 | XXXX | 7.190% |  |  | No | 8.370% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $5064.00 | $422.00 | XXXX | XXXX | $0.00 | $14287.98 | $30069.36 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 44.18% | 48.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 35 | CPA | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2023, 2022 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2023, 2022 | XXXX | XXXX |
| XXXX | 409 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1545.96 | $128.83 | XXXX | XXXX | $0.00 | $1123.23 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.38 | 1.264 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 410 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1572.96 | $131.08 | XXXX | XXXX | $0.00 | $1017.85 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.484 | 1.484 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 411 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  | $0.00 | 6.750% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1356.96 | $113.08 | XXXX | XXXX | $0.00 | $923.36 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.245 | 1.245 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 412 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1109.04 | $92.42 | XXXX | XXXX | $0.00 | $1046.65 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.433 | 1.412 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 413 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1392.96 | $116.08 | XXXX | XXXX | $0.00 | $1093.59 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.006 | 0.998 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 414 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1356.96 | $113.08 | XXXX | XXXX | $0.00 | $1086.95 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.38 | 1.38 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 415 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $4347.96 | $362.33 | XXXX | XXXX | $0.00 | $4607.32 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.628 | 1.539 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 416 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1356.96 | $113.08 | XXXX | XXXX | $0.00 | $1005.03 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.277 | 1.277 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 417 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1143.96 | $95.33 | XXXX | XXXX | $0.00 | $905.03 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.436 | 1.436 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 418 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1392.96 | $116.08 | XXXX | XXXX | $0.00 | $1111.59 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.259 | 1.259 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 419 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5224 | XXXX | 6.690% |  |  | No | 7.826% |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $1574.04 | $131.17 | XXXX | XXXX | $0.00 | $2177.66 | $15718.41 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 26.07% | 26.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 420 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1936.56 | $161.38 | XXXX | XXXX | $0.00 | $1450.18 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.931 | 1.931 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 421 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $1091.04 | $90.92 | XXXX | XXXX | $0.00 | $1957.57 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.029 | 1.001 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 422 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/30/2024 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $2223.96 | $185.33 | XXXX | XXXX | $0.00 | $1399.49 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.072 | 1.07 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 423 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $912.12 | $76.01 | XXXX | XXXX | $0.00 | $1643.33 |  | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.217 | 1.194 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 424 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1030.32 | $85.86 | XXXX | XXXX | $0.00 | $1266.72 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.145 | 1.14 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 425 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2852 | XXXX | 6.760% |  |  | No | 7.670% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $770.04 | $64.17 | XXXX | XXXX | $0.00 | $6429.34 | $27092.27 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 42.08% | 42.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 51.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 426 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $6363.96 | $530.33 | XXXX | XXXX | $0.00 | $3570.54 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.12 | 1.12 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 427 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $2724.00 | $227.00 | XXXX | XXXX | $0.00 | $3219.15 | $55726.45 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 21.76% | 21.76% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 108 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 428 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4955.4 | XXXX | 6.770% |  |  | No | 7.862% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $2733.24 | $227.77 | XXXX | XXXX | $0.00 | $7152.59 | $63855.41 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 12.06% | 12.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 429 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $1512.00 | $126.00 | XXXX | XXXX | $0.00 | $5653.04 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.203 | 1.2 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 430 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1419.96 | $118.33 | XXXX | XXXX | $0.00 | $2129.78 | $56143.73 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 21.17% | 21.17% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 431 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $1148.76 | $95.73 | XXXX | XXXX | $0.00 | $1669.38 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.108 | 1.108 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 432 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | ATR/QM: Exempt | No | Yes | No | N/A | N/A |  | XXXX |  |  | Accept | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $675.00 | $56.25 | XXXX | XXXX | $0.00 | $1696.81 | $4383.48 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 42.14% | 42.14% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023 - 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023 - 2023 | XXXX | XXXX |
| XXXX | 433 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1295.04 | $107.92 | XXXX | XXXX | $0.00 | $2515.00 | $8968.03 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 35.76% | 35.76% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 434 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1562.40 | $130.20 | XXXX | XXXX | $0.00 | $1805.16 |  | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.08 | 1.08 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 435 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1314.36 | $109.53 | XXXX | XXXX | $0.00 | $1400.11 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1 | 1 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 436 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1188.60 | $99.05 | XXXX | XXXX | $0.00 | $1762.23 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.135 | 1.13 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 437 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $2010.00 | $167.50 | XXXX | XXXX | $0.00 | $5396.18 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.223 | 1.22 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 438 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $1288.80 | $107.40 | XXXX | XXXX | $0.00 | $3250.93 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.923 | 1.02 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 439 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15270 | XXXX | 6.630% |  |  | No | 7.489% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $2907.00 | $242.25 | XXXX | XXXX | $0.00 | $6090.38 | $17947.34 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 42.84% | 42.84% | Yes | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 95.41% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 108 | Yes | 1 | 35 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 440 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 14485 | XXXX | 6.690% |  |  | No | 7.772% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $5001.96 | $416.83 | XXXX | XXXX | $0.00 | $9332.01 | $34719.66 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 31.98% | 31.98% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 112 | 112 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2022, 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 441 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5975 | XXXX | 6.630% |  |  | No | 7.868% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $3202.20 | $266.85 | XXXX | XXXX | $0.00 | $6745.39 | $12560.68 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 48.91% | 48.91% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 24 | 24 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2022, 2023, 2024 \|\| Co Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2022, 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2022, 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 442 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $2996.04 | $249.67 | XXXX | XXXX | $0.00 | $2111.53 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.492 | 1.49 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 443 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $2622.84 | $218.57 | XXXX | XXXX | $0.00 | $3641.35 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.648 | 1.629 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 444 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1110.00 | $92.50 | XXXX | XXXX | $0.00 | $3147.42 |  | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.033 | 1.03 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 445 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $3023.04 | $251.92 | XXXX | XXXX | $0.00 | $1593.89 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 2.008 | 2.01 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 446 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 11911.25 | XXXX | 6.630% |  |  | No | 7.763% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1968.96 | $164.08 | XXXX | XXXX | $0.00 | $8858.61 | $12855.27 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 48.91% | 48.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 447 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6490 | XXXX | 6.760% |  |  | No | 7.698% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1876.80 | $156.40 | XXXX | XXXX | $0.00 | $1959.00 | $9827.03 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 42.96% | 42.96% | Yes | Yes |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 1 | Yes | Yes | No | Yes | 360 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - 2022, 2023, 2024 \|\| Co Borrower - Retirement, Retirement, Asset Depletion - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - 2022, 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 448 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | ATR/QM: Exempt | No | Yes | No | N/A | N/A |  | XXXX |  |  | Approve Eligible | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1086.96 | $90.58 | XXXX | XXXX | $0.00 | $3120.84 | $11035.78 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 41.14% | 41.14% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Crypto Currency | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified - 2023, 2024 \|\| Co Borrower | Borrower - 1 YR Executed 4506T Verified - 2023, 2024 \|\| Co Borrower | XXXX | XXXX |
| XXXX | 449 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1331.04 | $110.92 | XXXX | XXXX | $0.00 | $1694.29 | $809.00 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 43.98% | 43.98% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 450 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $1566.00 | $130.50 | XXXX | XXXX | $0.00 | $2738.55 | $83414.88 | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 11.77% | 11.77% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 451 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | QM: Safe Harbor Verified (V SH) | Yes | Yes | Yes | Option 3 - Underwritten to Proprietary Lender Guidelines | N/A | 1475 | XXXX | 6.760% |  | Accept Eligible | No | 7.680% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $3015.00 | $251.25 | XXXX | XXXX | $0.00 | $2744.70 | $12035.80 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 43.49% | 43.49% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 452 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $2965.44 | $247.12 | XXXX | XXXX | $0.00 | $4972.39 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.006 | 1 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 453 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $2965.44 | $247.12 | XXXX | XXXX | $0.00 | $4972.39 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.006 | 1 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 454 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6905 | XXXX | 6.760% |  |  | No | 8.095% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1914.00 | $159.50 | XXXX | XXXX | $0.00 | $1887.61 | $37600.77 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 6.52% | 6.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 455 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1203.00 | $100.25 | XXXX | XXXX | $0.00 | $927.30 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.38 | 1.38 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 456 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | QM Points and Fees Exceeded | 11705 | XXXX | 6.890% |  |  | No | 8.224% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $1637.04 | $136.42 | XXXX | XXXX | $0.00 | $2752.81 | $10130.61 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 24.06% | 24.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 457 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4686.5 | XXXX | 6.760% |  |  | No | 8.158% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $2355.00 | $196.25 | XXXX | XXXX | $0.00 | $2643.21 | $4189.34 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 45.48% | 45.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 458 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $390.12 | $32.51 | XXXX | XXXX | $0.00 | $3720.40 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.954 | 0.95 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 459 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $2122.32 | $176.86 | XXXX | XXXX | $0.00 | $2387.91 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.549 | 1.549 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 460 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  | $0.00 | 6.875% |  | XXXX | No |  | XXXX | XXXX | $906.00 | $75.50 | XXXX | XXXX | $0.00 | $2164.18 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.924 | 0.924 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 461 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1897.92 | $158.16 | XXXX | XXXX | $0.00 | $4485.60 |  | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.003 | 1 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 462 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1051.08 | $87.59 | XXXX | XXXX | $0.00 | $2849.38 |  | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1 | 1 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 463 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.375% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1317.00 | $109.75 | XXXX | XXXX | $0.00 | $2119.74 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.061 | 1.061 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 464 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $2442.96 | $203.58 | XXXX | XXXX | $0.00 | $1927.82 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.349 | 1.35 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 465 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $5330.64 | $444.22 | XXXX | XXXX | $0.00 | $16651.84 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.321 | 1.3 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 466 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $5329.68 | $444.14 | XXXX | XXXX | $0.00 | $16639.58 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.322 | 1.32 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 467 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1043.04 | $86.92 | XXXX | XXXX | $0.00 | $1778.38 | $6816.81 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 20.69% | 20.69% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 468 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | ATR/QM: Exempt | No | Yes | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $1221.96 | $101.83 | XXXX | XXXX | $0.00 | $2581.04 | $8362.76 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 44.85% | 44.85% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, CPA Letter Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2023 | XXXX | XXXX |
| XXXX | 469 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $1263.96 | $105.33 | XXXX | XXXX | $0.00 | $1163.58 |  | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.031 | 1.098 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 470 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $1014.96 | $84.58 | XXXX | XXXX | $0.00 | $2362.21 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.651 | 1.651 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 471 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 15991.5 | XXXX | 6.690% |  |  | No | 8.854% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $2370.84 | $197.57 | XXXX | XXXX | $0.00 | $5426.32 | $12677.68 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 34.58% | 34.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 472 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  | $0.00 | 7.250% |  | XXXX | No |  | XXXX | XXXX | $2991.00 | $249.25 | XXXX | XXXX | $0.00 | $4173.35 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.006 | 1.006 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 473 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 17246.38 | XXXX | 6.880% |  |  | No | 8.058% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $4136.04 | $344.67 | XXXX | XXXX | $0.00 | $10749.55 | $15641.68 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 44.97% | 44.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 360 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 474 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 5160.14 | XXXX | 6.760% |  |  | No | 8.444% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $9604.08 | $800.34 | XXXX | XXXX | $0.00 | $8370.65 | $50512.02 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 42.41% | 42.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX |
| XXXX | 475 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $2444.04 | $203.67 | XXXX | XXXX | $0.00 | $3000.76 | $22168.73 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 44.06% | 44.06% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 - 2023 | XXXX | XXXX |
| XXXX | 476 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $1525.08 | $127.09 | XXXX | XXXX | $0.00 | $2942.70 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.189 | 1.189 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 477 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $3059.40 | $254.95 | XXXX | XXXX | $0.00 | $2590.97 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.003 | 1 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 478 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6224.69 | XXXX | 6.770% |  |  | No | 7.688% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1476.60 | $123.05 | XXXX | XXXX | $0.00 | $2395.49 | $3634.51 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 40.42% | 40.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 33 | 33 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - Written VOE Verified - 2022, 2023, 2024 | Borrower - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 479 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5995 | XXXX | 6.630% |  |  | No | 7.658% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $787.08 | $65.59 | XXXX | XXXX | $0.00 | $3526.66 | $6285.83 | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 36.20% | 36.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 481 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $2900.04 | $241.67 | XXXX | XXXX | $0.00 | $2787.52 |  | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.996 | 1.05 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 482 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $2192.40 | $182.70 | XXXX | XXXX | $0.00 | $1649.78 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.152 | 1.15 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX |
| XXXX | 483 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $1773.72 | $147.81 | XXXX | XXXX | $0.00 | $1633.55 | $14675.47 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 25.22% | 25.22% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 1 YR Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 484 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/18/2024 | 1 | XXXX | ATR/QM: Exempt | No | Yes | No | N/A | N/A |  | XXXX |  |  | Approve Eligible | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1208.64 | $100.72 | XXXX | XXXX | $0.00 | $2062.88 | $5091.12 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 35.87% | 35.87% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024 | XXXX | XXXX |
| XXXX | 485 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $2034.96 | $169.58 | XXXX | XXXX | $0.00 | $2098.89 |  | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.001 | 1 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 486 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/07/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 17115 | XXXX | 6.900% |  |  | No | 7.770% |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $1482.96 | $123.58 | XXXX | XXXX | $0.00 | $6549.62 | $7422.51 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 50.73% | 50.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX |
| XXXX | 487 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $902.04 | $75.17 | XXXX | XXXX | $0.00 | $1631.47 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.226 | 1.22 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 488 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  | $0.00 | 7.125% |  | XXXX | Yes | 9.125% | XXXX | XXXX | $0.00 | $0.00 | XXXX | XXXX | $0.00 | $2878.75 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.146 | 1.05 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 489 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $0.00 | $0.00 | XXXX | XXXX | $0.00 | $2152.63 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.44 | 1.4 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 490 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $0.00 | $0.00 | XXXX | XXXX | $0.00 | $2103.00 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.427 | 1.4 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 491 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 2.000% | XXXX | XXXX | $0.00 | $0.00 | XXXX | XXXX | $0.00 | $2069.54 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.353 | 1.39 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 492 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  | $0.00 | 7.125% |  | XXXX | Yes | 9.125% | XXXX | XXXX | $0.00 | $0.00 | XXXX | XXXX | $0.00 | $2927.20 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.127 | 1.1 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 493 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 2.000% | XXXX | XXXX | $0.00 | $0.00 | XXXX | XXXX | $0.00 | $2131.31 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.314 | 1.35 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 494 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  | $0.00 | 7.125% |  | XXXX | Yes | 9.125% | XXXX | XXXX | $0.00 | $0.00 | XXXX | XXXX | $0.00 | $2971.98 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.043 | 1 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 495 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.125% |  | XXXX | Yes | 9.125% | XXXX | XXXX | $0.00 | $0.00 | XXXX | XXXX | $0.00 | $2941.82 |  | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.122 | 1.01 |  | Borrower | Borrower | XXXX | XXXX |
| XXXX | 496 | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | 07/17/2024 | 9 | XXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | N/A |  | XXXX | 6.770% |  |  | No | 8.067% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $2060.04 | $171.67 | XXXX | XXXX | $0.00 | $4948.73 | $2880.22 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 46.75% | 46.75% | Yes | Yes |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO - 1 YR Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - 2023, 2024 | Borrower - 1 YR Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 497 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 15768.83 | XXXX | 7.070% |  |  | No | 7.261% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $3429.96 | $285.83 | XXXX | XXXX | $0.00 | $4786.91 | $35059.95 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 12.15% | 12.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 168 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX |
| XXXX | 498 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/17/2024 | 9 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1499 | XXXX | 6.770% |  |  | No | 7.146% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $1363.68 | $113.64 | XXXX | XXXX | $0.00 | $8985.98 | $49744.97 | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 24.91% | 24.91% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX |
| XXXX | 499 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 10 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6365 | XXXX | 7.070% |  |  | No | 7.257% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $1263.00 | $105.25 | XXXX | XXXX | $0.00 | $2559.13 | $19182.87 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 13.23% | 13.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX |
| XXXX | 500 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2024 | 3 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 6576.5 | XXXX | 6.930% |  |  | No | 8.574% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $0.00 | $0.00 | XXXX | XXXX | $0.00 | $2359.48 | $3689.54 | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 46.23% | 46.23% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 24 | 0 | Yes | Yes | 24 | 0 | 95.34% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), SESoleProprietor - Personal Bank Statements Verified, Lease Agreements Verified - 2023, 2024 \|\| Co Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 \|\| Co Borrower - 2023, 2024 | XXXX | XXXX |
| XXXX | 501 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $2157.00 | $179.75 | XXXX | XXXX | $0.00 | $5409.00 | $363044.61 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 9.24% | 9.24% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX |
| XXXX | 502 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $3705.00 | $308.75 | XXXX | XXXX | $0.00 | $10432.14 | $363721.50 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 9.07% | 9.07% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX |
| XXXX | 503 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $3254.16 | $271.18 | XXXX | XXXX | $0.00 | $6610.37 | $93141.86 | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 4.90% | 4.90% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX |
| XXXX | 504 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $4135.32 | $344.61 | XXXX | XXXX | $0.00 | $6435.69 | $24419.54 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 21.97% | 21.97% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - Personal Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX |
| XXXX | 505 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 18634 | XXXX | 6.880% |  |  | No | 7.721% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $4052.04 | $337.67 | XXXX | XXXX | $474.83 | $5664.70 | $15422.95 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 40.52% | 40.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX |
| XXXX | 506 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5690.56 | XXXX | 6.870% |  |  | No | 7.619% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $3088.92 | $257.41 | XXXX | XXXX | $0.00 | $2212.17 | $4066.43 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 42.16% | 42.16% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 70.18% | 50.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | No | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor, Retirement - CPA Letter Verified, Award Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX |
| XXXX | 507 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.375% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1778.04 | $148.17 | XXXX | XXXX | $0.00 | $4484.86 | $3278.35 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 39.20% | 39.20% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 7 | 7 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1040 Schedule E Verified - 2024, 2025 | Borrower - 1040 Schedule E Verified - 2024, 2025 | XXXX | XXXX |
| XXXX | 508 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11395.25 | XXXX | 6.880% |  |  | No | 8.101% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $2185.08 | $182.09 | XXXX | XXXX | $0.00 | $2796.70 | $11163.55 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 35.45% | 35.45% | No | No |  |  |  |  |  |  | Retired | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 88.28% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 48 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified - 2025 - 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2025 - 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX |
| XXXX | 509 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 10 | XXXX | QM: Safe Harbor Verified (V SH) | Yes | No | Yes | Option 3 - Underwritten to Proprietary Lender Guidelines | N/A | 4462.5 | XXXX | 6.870% |  |  | No | 7.459% |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $2639.04 | $219.92 | XXXX | XXXX | $0.00 | $2344.60 | $4167.87 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 46.02% | 46.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 6 | 79 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2024, 2025 | XXXX | XXXX |
| XXXX | 510 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8739 | XXXX | 6.730% |  |  | No | 7.133% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $3691.80 | $307.65 | XXXX | XXXX | $0.00 | $4388.19 | $7292.03 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 48.43% | 48.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified, null Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX |
| XXXX | 511 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4515.88 | XXXX | 6.880% |  |  | No | 7.974% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1248.00 | $104.00 | XXXX | XXXX | $0.00 | $2206.57 | $23598.08 | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 27.52% | 27.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX |
| XXXX | 512 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 42897.13 | XXXX | 6.870% |  |  | No | 9.381% |  | 8.999% |  | XXXX | No |  | XXXX | XXXX | $8498.40 | $708.20 | XXXX | XXXX | $0.00 | $14828.58 | $29345.42 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 39.57% | 39.57% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | No | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | XXXX | XXXX |
| XXXX | 513 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/14/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Loan Term Exceeds 30 Years | 14205.68 | XXXX | 6.870% |  |  | No | 9.225% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $1407.00 | $117.25 | XXXX | XXXX | $0.00 | $3124.56 | $4690.46 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 43.77% | 43.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX |
| XXXX | 514 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX |  |  |  | No |  |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $489.96 | $40.83 | XXXX | XXXX | $0.00 | $2258.29 | $2611.70 | Yes | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 24.28% | 24.28% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX |
| XXXX | 515 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Loan Term Exceeds 30 Years | 14923 | XXXX | 6.870% |  |  | No | 7.533% |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1688.04 | $140.67 | XXXX | XXXX | $0.00 | $7185.46 | $24630.51 | N/A | XXXX | XX | XXXX | XXXX | XXXX | 0.00% | 24.48% | 24.48% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 73.73% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 72 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX |
| XXXX | 516 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 21184.63 | XXXX | 6.850% |  |  | No | 9.727% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $981.00 | $81.75 | XXXX | XXXX | $0.00 | $4480.93 | $5861.06 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 47.94% | 47.94% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 64.38% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX |
| XXXX | 517 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 15694 | XXXX | 7.070% |  |  | No | 8.259% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $2852.76 | $237.73 | XXXX | XXXX | $0.00 | $3755.00 | $7428.81 | N/A |  |  | XXXX | XXXX | XXXX | 0.00% | 38.86% | 38.86% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | Yes | 6 | No | Yes | N/A | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 249 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX |

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 351 | XXXX | XX | XXXX | XXXX | 03/11/2024 | 03/11/2024 | 03/11/2024 |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.3 | XXXX | 10.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 352 | XXXX | XX | XXXX | XXXX | 08/07/2024 | 08/07/2024 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 27.1 | XXXX | 27.1 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 353 | XXXX | XX | XXXX | XXXX | 07/10/2024 | 07/10/2024 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.4 | XXXX | 9.1 | No | 52.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 354 | XXXX | XX | XXXX | XXXX | 10/04/2024 | 10/04/2024 | 10/04/2024 |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No | Closed End - Fixed |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.5 | XXXX | 16.5 | No | 56.78 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 355 | XXXX | XX | XXXX | XXXX | 11/06/2024 | 11/06/2024 | 11/19/2024 |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.7 | XXXX | 4.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 356 | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 98.9 | No | 75.0 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 357 | XXXX | XX | XXXX | XXXX | 09/06/2024 | 09/06/2024 | 09/09/2024 |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.8 | XXXX | 103.2 | No | 64.91 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 358 | XXXX | XX | XXXX | XXXX | 11/01/2024 | 11/01/2024 |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 19.3 | XXXX | 19.3 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 359 | XXXX | XX | XXXX | XXXX | 10/28/2024 | 10/28/2024 |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.9 | XXXX | 14.9 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 360 | XXXX | XX | XXXX | XXXX | 10/24/2024 | 10/24/2024 |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.7 | XXXX | 6.7 | No | 52.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 361 | XXXX | XX | XXXX | XXXX | 08/27/2024 | 08/27/2024 |  |  |  | 811 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 45.8 | XXXX | 45.8 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 362 | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 77.3 | XXXX | 77.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 363 | XXXX | XX | XXXX | XXXX | 09/10/2024 | 09/10/2024 |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.7 | XXXX | 8.7 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 364 | XXXX | XX | XXXX | XXXX | 11/12/2024 | 11/12/2024 | 11/12/2024 |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 19.7 | XXXX | 19.7 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 365 | XXXX | XX | XXXX | XXXX | 08/13/2024 | 08/13/2024 |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 17.8 | No | 73.71 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 366 | XXXX | XX | XXXX | XXXX | 12/01/2024 | 12/01/2024 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.0 | XXXX | 18.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 367 | XXXX | XX | XXXX | XXXX | 11/22/2024 | 11/22/2024 | 11/22/2024 |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 26.7 | XXXX | 26.7 | No | 70.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 368 | XXXX | XX | XXXX | XXXX | 10/29/2024 | 10/29/2024 |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.1 | XXXX | 15.1 | No | 70.0 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 369 | XXXX | XX | XXXX | XXXX | 12/11/2024 | 12/11/2024 |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 89.7 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 370 | XXXX | XX | XXXX | XXXX | 10/18/2024 | 10/18/2024 |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 52.6 | XXXX | 52.6 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 371 | XXXX | XX | XXXX | XXXX | 10/11/2024 | 10/11/2024 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 92.9 | XXXX | 22.7 | No | 65.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 372 | XXXX | XX | XXXX | XXXX | 10/22/2024 | 10/22/2024 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 60.1 | XXXX | 60.1 | No | 60.45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 373 | XXXX | XX | XXXX | XXXX | 12/04/2024 | 12/04/2024 | 12/04/2024 |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.2 | XXXX | 5.2 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 374 | XXXX | XX | XXXX | XXXX | 10/26/2024 | 10/26/2024 |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 69.5 | XXXX | 69.5 | No | 64.9 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 375 | XXXX | XX | XXXX | XXXX | 10/26/2024 | 10/26/2024 |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 20.7 | XXXX | 20.7 | No | 69.93 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 376 | XXXX | XX | XXXX | XXXX | 10/28/2024 | 10/28/2024 | 10/28/2024 |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 58.4 | XXXX | 4.1 | No | 39.67 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 377 | XXXX | XX | XXXX | XXXX | 11/25/2024 | 11/25/2024 |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 191.0 | XXXX | 191.0 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 378 | XXXX | XX | XXXX | XXXX | 10/29/2024 | 10/29/2024 |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.9 | XXXX | 16.9 | No | 77.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 379 | XXXX | XX | XXXX | XXXX | 10/01/2024 | 10/01/2024 |  |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 26.1 | XXXX | 26.1 | No | 60.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 380 | XXXX | XX | XXXX | XXXX | 10/28/2024 | 10/28/2024 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.9 | XXXX | 9.9 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 381 | XXXX | XX | XXXX | XXXX | 12/13/2024 | 12/13/2024 | 12/13/2024 |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 109.2 | XXXX | 109.2 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 382 | XXXX | XX | XXXX | XXXX | 11/12/2024 | 11/12/2024 | 11/12/2024 |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 39.9 | XXXX | 39.9 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 383 | XXXX | XX | XXXX | XXXX | 11/13/2024 | 11/13/2024 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 48.1 | XXXX | 53.9 | No | 73.05 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 384 | XXXX | XX | XXXX | XXXX | 11/14/2024 | 11/14/2024 | 11/14/2024 |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 145.5 | XXXX | 145.5 | No | 57.92 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 385 | XXXX | XX | XXXX | XXXX | 11/21/2024 | 11/21/2024 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.4 | XXXX | 37.3 | No | 72.58 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 386 | XXXX | XX | XXXX | XXXX | 10/07/2024 | 10/07/2024 |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 106.2 | XXXX | 106.2 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 387 | XXXX | XX | XXXX | XXXX | 11/01/2024 | 11/01/2024 |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 83.7 | XXXX | 83.7 | No | 80.0 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 388 | XXXX | XX | XXXX | XXXX | 12/16/2024 | 12/16/2024 | 12/16/2024 |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 24.4 | No | 61.76 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 389 | XXXX | XX | XXXX | XXXX | 12/04/2024 | 12/04/2024 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.8 | XXXX | 118.5 | No | 62.65 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 390 | XXXX | XX | XXXX | XXXX | 11/22/2024 | 11/22/2024 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.0 | XXXX | 8.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 391 | XXXX | XX | XXXX | XXXX | 10/09/2024 | 10/09/2024 |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.7 | XXXX | 107.8 | No | 60.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 392 | XXXX | XX | XXXX | XXXX | 09/16/2024 | 09/16/2024 | 09/16/2024 |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 54.2 | XXXX | 54.2 | No | 60.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 393 | XXXX | XX | XXXX | XXXX | 11/12/2024 | 11/12/2024 | 11/12/2024 |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 56.1 | No | 65.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 394 | XXXX | XX | XXXX | XXXX | 12/02/2024 | 12/02/2024 |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.3 | XXXX | 8.3 | No | 61.54 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 395 | XXXX | XX | XXXX | XXXX | 10/23/2024 | 10/23/2024 | 10/23/2024 |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 31.4 | XXXX | 31.4 | No | 75.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 396 | XXXX | XX | XXXX | XXXX | 11/14/2024 | 11/14/2024 | 11/14/2024 |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 147.1 | XXXX | 147.1 | No | 57.5 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 397 | XXXX | XX | XXXX | XXXX | 11/13/2024 | 11/13/2024 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 78.6 | XXXX | 78.6 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 398 | XXXX | XX | XXXX | XXXX | 11/13/2024 | 11/13/2024 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 132.5 | XXXX | 132.5 | No | 78.26 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 399 | XXXX | XX | XXXX | XXXX | 11/19/2024 | 11/19/2024 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 73.1 | XXXX | 73.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 400 | XXXX | XX | XXXX | XXXX | 12/10/2024 | 12/10/2024 |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.9 | XXXX | 7.9 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 401 | XXXX | XX | XXXX | XXXX | 12/05/2024 | 12/05/2024 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17.3 | XXXX | 17.3 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 402 | XXXX | XX | XXXX | XXXX | 12/05/2024 | 12/05/2024 |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 83.6 | XXXX | 83.6 | No | 79.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 403 | XXXX | XX | XXXX | XXXX | 10/21/2024 | 10/21/2024 | 10/21/2024 |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.7 | XXXX | 13.7 | No | 78.56 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 404 | XXXX | XX | XXXX | XXXX | 09/14/2024 | 09/14/2024 | 09/14/2024 |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 81.8 | No | 63.7 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 405 | XXXX | XX | XXXX | XXXX | 10/14/2024 | 10/14/2024 |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 32.5 | XXXX | 28.1 | No | 70.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 406 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.6 | XXXX | 7.6 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 407 | XXXX | XX | XXXX | XXXX | 10/31/2024 | 10/31/2024 |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.6 | XXXX | 10.6 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 408 | XXXX | XX | XXXX | XXXX | 12/02/2024 | 12/02/2024 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 13.4 | No | 79.37 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 409 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2179.2 | XXXX | 2179.2 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 410 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 2411.4 | XXXX | 2411.4 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 411 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 2672.7 | XXXX | 2672.7 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 412 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2342.0 | XXXX | 2342.0 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 413 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2238.6 | XXXX | 2238.6 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 414 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2252.9 | XXXX | 2252.9 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 415 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 489.6 | XXXX | 489.6 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 416 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2445.7 | XXXX | 2445.7 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 417 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2720.5 | XXXX | 2720.5 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 418 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2203.6 | XXXX | 2203.6 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 419 | XXXX | XX | XXXX | XXXX | 10/01/2024 | 10/01/2024 |  |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.7 | XXXX | 89.6 | No | 43.01 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 420 | XXXX | XX | XXXX | XXXX | 11/18/2024 | 11/18/2024 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 43.2 | XXXX | 27.2 | No | 30.77 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 421 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.4 | XXXX | 5.4 | No | 78.81 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 422 | XXXX | XX | XXXX | XXXX | 10/18/2024 | 10/18/2024 |  |  |  | 646 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 |  |  |  |  |  |  |  | 0 |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 72.6 | No | 40.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 423 | XXXX | XX | XXXX | XXXX | 11/08/2024 | 11/08/2024 | 11/08/2024 |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 63.2 | XXXX | 63.2 | No | 47.76 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 424 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 | 11/26/2024 |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 58.2 | No | 53.51 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 425 | XXXX | XX | XXXX | XXXX | 12/02/2024 | 12/02/2024 |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 79.4 | XXXX | 93.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 426 | XXXX | XX | XXXX | XXXX | 11/20/2024 | 11/20/2024 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 45.0 | XXXX | 45.0 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 427 | XXXX | XX | XXXX | XXXX | 11/12/2024 | 11/12/2024 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 22.6 | XXXX | 22.6 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 428 | XXXX | XX | XXXX | XXXX | 11/14/2024 | 11/14/2024 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.4 | XXXX | 9.4 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 429 | XXXX | XX | XXXX | XXXX | 09/24/2024 | 09/24/2024 |  |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.8 | XXXX | 12.8 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 430 | XXXX | XX | XXXX | XXXX | 11/12/2024 | 11/12/2024 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.8 | XXXX | 5.7 | No | 78.48 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 431 | XXXX | XX | XXXX | XXXX | 12/02/2024 | 12/02/2024 |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 29.6 | XXXX | 29.6 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 432 | XXXX | XX | XXXX | XXXX | 09/18/2024 | 09/18/2024 |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.5 | XXXX | 16.5 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 433 | XXXX | XX | XXXX | XXXX | 12/11/2024 | 12/11/2024 |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.0 | XXXX | 7.0 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 434 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 | 11/26/2024 |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.9 | XXXX | 113.7 | No | 51.41 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 435 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 | 11/26/2024 |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.4 | XXXX | 87.3 | No | 53.33 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 436 | XXXX | XX | XXXX | XXXX | 12/05/2024 | 12/05/2024 | 12/05/2024 |  |  | 819 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 32.7 | XXXX | 32.7 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 437 | XXXX | XX | XXXX | XXXX | 10/03/2024 | 10/03/2024 |  |  |  | 811 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.3 | XXXX | 8.3 | No | 56.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 438 | XXXX | XX | XXXX | XXXX | 10/08/2024 | 10/08/2024 |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.4 | XXXX | 13.4 | No | 49.32 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 439 | XXXX | XX | XXXX | XXXX | 10/28/2024 | 10/28/2024 | 10/28/2024 |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 38.6 | XXXX | 38.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 440 | XXXX | XX | XXXX | XXXX | 09/11/2024 | 09/11/2024 |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.3 | XXXX | 10.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 441 | XXXX | XX | XXXX | XXXX | 12/19/2024 | 12/19/2024 | 12/19/2024 |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.4 | XXXX | 5.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 442 | XXXX | XX | XXXX | XXXX | 11/20/2024 | 11/20/2024 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 95.5 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 443 | XXXX | XX | XXXX | XXXX | 10/25/2024 | 10/25/2024 |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 25.4 | XXXX | 25.4 | No | 55.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 444 | XXXX | XX | XXXX | XXXX | 12/02/2024 | 12/02/2024 |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.9 | XXXX | 12.9 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 445 | XXXX | XX | XXXX | XXXX | 11/15/2024 | 11/15/2024 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 42.0 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 446 | XXXX | XX | XXXX | XXXX | 12/11/2024 | 12/11/2024 |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 136.7 | XXXX | 136.7 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 447 | XXXX | XX | XXXX | XXXX | 10/31/2024 | 10/31/2024 | 10/31/2024 |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 161.1 | XXXX | 161.1 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 448 | XXXX | XX | XXXX | XXXX | 10/24/2024 | 10/24/2024 | 10/24/2024 |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.8 | XXXX | 51.6 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 449 | XXXX | XX | XXXX | XXXX | 11/22/2024 | 11/22/2024 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.0 | XXXX | 6.0 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 450 | XXXX | XX | XXXX | XXXX | 11/06/2024 | 11/06/2024 |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.3 | XXXX | 60.9 | No | 74.99 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 451 | XXXX | XX | XXXX | XXXX | 11/20/2024 | 11/20/2024 | 11/20/2024 |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 27.0 | XXXX | 125.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 452 | XXXX | XX | XXXX | XXXX | 10/31/2024 | 10/31/2024 |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 648.4 | XXXX | 648.4 | No | 60.0 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 453 | XXXX | XX | XXXX | XXXX | 10/31/2024 | 10/31/2024 |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 617.8 | XXXX | 617.8 | No | 60.0 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 454 | XXXX | XX | XXXX | XXXX | 10/22/2024 | 10/22/2024 |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.8 | XXXX | 6.8 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 455 | XXXX | XX | XXXX | XXXX | 11/21/2024 | 11/21/2024 |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.8 | XXXX | 11.8 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 456 | XXXX | XX | XXXX | XXXX | 11/18/2024 | 11/18/2024 |  |  |  | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 36.2 | No | 58.33 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 457 | XXXX | XX | XXXX | XXXX | 12/04/2024 | 12/04/2024 |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 38.3 | XXXX | 38.3 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 458 | XXXX | XX | XXXX | XXXX | 12/18/2024 | 12/18/2024 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  | 0 |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 30.7 | XXXX | 30.7 | No | 59.89 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 459 | XXXX | XX | XXXX | XXXX | 12/08/2024 | 12/08/2024 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.5 | XXXX | 12.5 | No | 69.53 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 460 | XXXX | XX | XXXX | XXXX | 10/16/2024 | 10/16/2024 |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 178.0 | XXXX | 178.0 | No | 77.21 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 461 | XXXX | XX | XXXX | XXXX | 11/22/2024 | 11/22/2024 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 136.8 | No | 57.5 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 462 | XXXX | XX | XXXX | XXXX | 11/22/2024 | 11/22/2024 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 137.7 | No | 65.5 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 463 | XXXX | XX | XXXX | XXXX | 12/23/2024 | 12/23/2024 |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.6 | XXXX | 14.6 | No | 75.0 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 464 | XXXX | XX | XXXX | XXXX | 12/13/2024 | 12/13/2024 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 49.8 | XXXX | 49.8 | No | 48.44 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 465 | XXXX | XX | XXXX | XXXX | 11/11/2024 | 11/11/2024 |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 51.3 | XXXX | 51.5 | No | 58.56 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 466 | XXXX | XX | XXXX | XXXX | 11/11/2024 | 11/11/2024 |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 67.0 | XXXX | 67.2 | No | 58.56 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 467 | XXXX | XX | XXXX | XXXX | 12/17/2024 | 12/17/2024 |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.4 | XXXX | 10.4 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 468 | XXXX | XX | XXXX | XXXX | 11/12/2024 | 11/12/2024 |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 34.8 | XXXX | 34.8 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 469 | XXXX | XX | XXXX | XXXX | 01/03/2025 | 01/03/2025 |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 72.6 | No | 74.07 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 470 | XXXX | XX | XXXX | XXXX | 10/30/2024 | 10/30/2024 |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.9 | XXXX | 6.9 | No | 50.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 471 | XXXX | XX | XXXX | XXXX | 11/21/2024 | 11/21/2024 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.3 | XXXX | 5.3 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 472 | XXXX | XX | XXXX | XXXX | 10/17/2024 | 10/17/2024 | 10/17/2024 |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 70.5 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 473 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.8 | XXXX | 11.8 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 474 | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 8.5 | No | 74.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 475 | XXXX | XX | XXXX | XXXX | 10/09/2024 | 10/09/2024 |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 265.7 | XXXX | 265.7 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 476 | XXXX | XX | XXXX | XXXX | 11/25/2024 | 11/25/2024 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.4 | XXXX | 48.2 | No | 63.41 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 477 | XXXX | XX | XXXX | XXXX | 10/30/2024 | 10/30/2024 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.2 | XXXX | 15.2 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 478 | XXXX | XX | XXXX | XXXX | 11/01/2024 | 11/01/2024 |  |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.3 | XXXX | 0.3 | No | 75.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 479 | XXXX | XX | XXXX | XXXX | 10/24/2024 | 10/24/2024 |  |  |  | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.0 | XXXX | 5.0 | No | 39.39 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 481 | XXXX | XX | XXXX | XXXX | 12/13/2024 | 12/13/2024 | 12/13/2024 |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 293.9 | XXXX | 293.9 | No | 65.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 482 | XXXX | XX | XXXX | XXXX | 12/13/2024 | 12/13/2024 | 12/13/2024 |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 543.7 | XXXX | 543.7 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 483 | XXXX | XX | XXXX | XXXX | 12/26/2024 | 12/26/2024 |  |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 65.7 | XXXX | 65.7 | No | 78.26 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 484 | XXXX | XX | XXXX | XXXX | 12/04/2024 | 12/04/2024 |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 31.5 | XXXX | 31.5 | No | 68.25 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 485 | XXXX | XX | XXXX | XXXX | 12/04/2024 | 12/04/2024 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 0.0 | XXXX | 100.5 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 486 | XXXX | XX | XXXX | XXXX | 12/24/2024 | 12/24/2024 |  |  |  | 814 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.3 | XXXX | 34.0 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 487 | XXXX | XX | XXXX | XXXX | 12/11/2024 | 12/11/2024 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 26.6 | XXXX | 26.6 | No | 75.0 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 488 | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 128.5 | No | 62.2 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 489 | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 172.0 | XXXX | 172.0 | No | 45.35 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 490 | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 0.4 | No | 50.61 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 491 | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 79.2 | XXXX | 79.2 | No | 53.8 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 492 | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 126.8 | No | 60.0 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 493 | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 36.1 | XXXX | 36.1 | No | 48.5 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 494 | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 121.0 | No | 59.69 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 495 | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 125.9 | No | 58.96 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 496 | XXXX | XX | XXXX | XXXX | 12/13/2024 | 12/13/2024 | 12/13/2024 |  |  | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 21.6 | XXXX | 21.6 | No | 65.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 497 | XXXX | XX | XXXX | XXXX | 02/06/2025 | 02/06/2025 |  |  |  | 814 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.1 | XXXX | 8.1 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 498 | XXXX | XX | XXXX | XXXX | 12/11/2024 | 12/11/2024 | 12/11/2024 |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 96.1 | XXXX | 96.1 | No | 60.0 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 499 | XXXX | XX | XXXX | XXXX | 01/17/2025 | 01/17/2025 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | N/A | N/A |  | XXXX | XXXX | XXXX |  |  | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.4 | XXXX | 30.3 | No | 61.76 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 500 | XXXX | XX | XXXX | XXXX | 01/09/2025 | 01/09/2025 | 01/09/2025 |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.0 | XXXX | 8.0 | No | 85.0 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 501 | XXXX | XX | XXXX | XXXX | 02/10/2025 | 02/10/2025 |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1040.6 | XXXX | 1040.6 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 502 | XXXX | XX | XXXX | XXXX | 02/10/2025 | 02/10/2025 |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 443.1 | XXXX | 443.1 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 503 | XXXX | XX | XXXX | XXXX | 01/22/2025 | 01/22/2025 |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 102.2 | XXXX | 163.6 | No | 67.74 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 504 | XXXX | XX | XXXX | XXXX | 12/23/2024 | 12/23/2024 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 22.1 | XXXX | 38.3 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 505 | XXXX | XX | XXXX | XXXX | 02/20/2025 | 02/20/2025 |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No | Closed End - Fixed |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | N/A |  | XXXX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.5 | XXXX | 12.5 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 506 | XXXX | XX | XXXX | XXXX | 02/01/2025 | 02/01/2025 | 02/01/2025 |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.0 | XXXX | 12.0 | No | 76.12 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 507 | XXXX | XX | XXXX | XXXX | 01/28/2025 | 01/28/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 6.8 | XXXX | 6.8 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 508 | XXXX | XX | XXXX | XXXX | 02/11/2025 | 02/11/2025 | 02/11/2025 |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.3 | XXXX | 16.3 | No | 75.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 509 | XXXX | XX | XXXX | XXXX | 02/07/2025 | 02/07/2025 |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.2 | XXXX | 51.1 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 510 | XXXX | XX | XXXX | XXXX | 01/27/2025 | 01/27/2025 |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 42.3 | XXXX | 42.3 | No | 30.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 511 | XXXX | XX | XXXX | XXXX | 12/31/2024 | 12/31/2024 |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 44.5 | XXXX | 44.5 | No | 75.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 512 | XXXX | XX | XXXX | XXXX | 11/14/2024 | 11/14/2024 | 11/14/2024 |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.7 | XXXX | 14.7 | No | 90.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 513 | XXXX | XX | XXXX | XXXX | 02/07/2025 | 02/07/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.4 | XXXX | 6.4 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 514 | XXXX | XX | XXXX | XXXX | 12/18/2024 | 12/18/2024 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.8 | XXXX | 7.8 | No | 75.0 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 515 | XXXX | XX | XXXX | XXXX | 02/04/2025 | 02/04/2025 | 02/04/2025 |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.6 | XXXX | 14.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 516 | XXXX | XX | XXXX | XXXX | 01/29/2025 | 01/29/2025 | 01/29/2025 |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.0 | XXXX | 11.0 | No | 90.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 517 | XXXX | XX | XXXX | XXXX | 01/07/2025 | 01/07/2025 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 68.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 352 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | Business Bank Stmt: 12 Mos | 0 | 23152.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 27.14 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 356 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 4000 | 3750 | Appraisal - 1007 |  | N/A |  |  | 3750 | Appraisal - 1007 | No | 201.59 |  | 0 | 7559.78 | 4000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3750 |  |  |  |  |  |  | No | No | XXXX | 2 | 1 | N/A | 98.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 357 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | Actual In Place Rent | No |  |  | 0 | 5038.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 103.19 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 358 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 84.11 | 1.239 | 1.189 | 1261.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1500 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 19.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 359 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 1350 | Appraisal - 1007 |  | N/A |  |  | 1350 | Appraisal - 1007 | No |  |  | 0 | 1330.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1350 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 14.94 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 361 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1400 | Appraisal - 1025 |  | N/A |  |  | 1400 | Appraisal - 1025 | No | 73.68 | 1.357 | 1.357 | 1031.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1400 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 45.84 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 363 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 6200 | Appraisal - 1007 |  | N/A |  |  | 6200 | Appraisal - 1007 | No | 110.43 |  | 0 | 6846.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6200 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 8.73 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 364 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5200 | 5600 | Appraisal - 1025 |  | N/A |  |  | 5200 | Actual In Place Rent | No | 64.01 | 1.53 | 1.562 | 3328.6 | 1900 | XXXX | XXXX | 1500 | XXXX | XXXX | 1800 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5200 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 19.68 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 365 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1745 | 2280 | Appraisal - 1007 |  | N/A |  |  | 1745 | Actual In Place Rent | No | 99.9 | 1 | 1.001 | 1743.2 | 1745 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1745 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 17.8 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 368 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4200 | Appraisal - 1007 |  | N/A |  |  | 4200 | Appraisal - 1007 | No | 150.45 |  | 0 | 6318.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4200 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 15.05 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 369 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  | 1750 | Appraisal - 1007 | No | 73.94 | 1.353 | 1.353 | 1293.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1750 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 89.71 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 370 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | Yes | 2135 | 2370 | Appraisal - 1025 |  | N/A |  |  | 2135 | Actual In Place Rent | No | 59.14 |  | 0 | 1262.55 | 950 | XXXX | XXXX | 1185 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2135 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 52.63 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 371 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5980 | Appraisal - 1007 |  | N/A |  |  | 5980 | Appraisal - 1007 | No | 66.9 | 1.484 | 1.495 | 4000.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5980 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 22.71 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 373 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1025 |  | N/A |  |  | 2200 | Appraisal - 1025 | No | 83.76 | 1.25 | 1.194 | 1842.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2200 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 5.19 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 374 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 98.16 | 1.01 | 1.019 | 3239.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | XXXX | 2 | 1 | N/A | 69.5 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 375 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 97.78 | 1.01 | 1.023 | 3422.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | XXXX | 2 | 1 | N/A | 20.71 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 376 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | Yes | 3585 | 4285 | Appraisal - 1025 |  | N/A |  |  | 3585 | Actual In Place Rent | No | 57.06 |  | 0 | 2045.69 | 1195 | XXXX | XXXX | 1195 | XXXX | XXXX | 1195 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3585 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 4.1 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse |  |
| XXXX | 377 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1955 | Appraisal - 1007 |  | N/A |  |  | 1955 | Appraisal - 1007 | No | 99.99 | 1 | 1 | 1954.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1955 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 190.98 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 379 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 86.95 | 1.143 | 1.15 | 3912.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4500 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 26.09 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 380 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6800 | 5000 | Appraisal - 1007 |  | N/A |  |  | 5000 | Appraisal - 1007 | No | 98.96 | 1.011 | 1.011 | 4947.97 | 6800 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5000 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 9.89 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 381 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 3002.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 0 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 109.18 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 382 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 0 | N/A |  | N/A |  |  | 0 | N/A | No |  |  | 0 | 1508.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 0 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 39.94 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 383 | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 29200 | Appraisal - 1025 |  | N/A |  |  | 29200 | Appraisal - 1025 | No | 92.28 |  | 0 | 26946.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 29200 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 53.91 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 384 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 6000 | 6250 | Appraisal - 1025 |  | N/A |  |  | 6000 | Actual In Place Rent | No | 92.27 |  | 0 | 5536.23 | 3000 | XXXX | XXXX | 3000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6000 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 145.49 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 385 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1675 | 1675 | Appraisal - 1007 |  | N/A |  |  | 1675 | Actual In Place Rent | No | 98.96 | 1.011 | 1.011 | 1657.58 | 1675 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1675 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 37.28 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 386 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6100 | Appraisal - 1025 |  | N/A |  |  | 6100 | Appraisal - 1025 | No | 80.73 | 1.247 | 1.239 | 4924.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6100 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 106.23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 389 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1600 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 89.58 | 1.116 | 1.116 | 1343.66 | 1600 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1500 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 118.53 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 391 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3600 | 4850 | Appraisal - 1007 |  | N/A |  |  | 3600 | Actual In Place Rent | No | 79.58 | 1.26 | 1.257 | 2864.98 | 3600 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3600 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 107.76 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 392 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 9000 | 8600 | Appraisal - 1025 |  | N/A |  |  | 8600 | Appraisal - 1025 | No | 70.73 | 1.611 | 1.414 | 6083.11 | 4800 | XXXX | XXXX | 4200 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 8600 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 54.19 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 396 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 5950 | 6250 | Appraisal - 1025 |  | N/A |  |  | 5950 | Actual In Place Rent | No | 91.81 |  | 0 | 5462.72 | 2950 | XXXX | XXXX | 3000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5950 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 147.06 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 397 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4400 | Appraisal - 1025 |  | N/A |  |  | 4400 | Appraisal - 1025 | No | 66.42 | 1.17 | 1.506 | 2922.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 4400 |  |  |  |  |  |  |  | No | XXXX | 5 | 1 | N/A | 78.56 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 398 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3150 | Appraisal - 1025 |  | N/A |  |  | 3150 | Appraisal - 1025 | No | 53.44 | 1.788 | 1.871 | 1683.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3150 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 132.54 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 399 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 3312.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 73.14 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 401 | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 15600 | Appraisal - 1007 |  | N/A |  |  | 15600 | Appraisal - 1007 | No | 140.18 |  | 0 | 21867.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 15600 |  |  |  |  |  |  | No | No | XXXX | 2 | 1 | N/A | 17.32 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 402 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 2450 | Appraisal - 1007 |  | N/A |  |  | 2450 | Appraisal - 1007 | No | 95.41 |  | 0 | 2337.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2450 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 83.63 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 404 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1600 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1600 | Actual In Place Rent | No | 99.19 | 1.008 | 1.008 | 1587.02 | 1600 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1600 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 81.81 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 407 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5500 | Appraisal - 1025 |  | N/A |  |  | 5500 | Appraisal - 1025 | No | 92.7 | 1.12 | 1.079 | 5098.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5500 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 10.64 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 409 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1550 | Appraisal - 1007 |  | N/A |  |  | 1550 | Appraisal - 1007 | No | 72.47 | 1.264 | 1.38 | 1123.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1550 |  |  |  |  |  |  |  | No | XXXX | 7 | 1 | N/A | 2179.18 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 410 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1818 | 1510 | Appraisal - 1007 |  | N/A |  |  | 1510 | Appraisal - 1007 | No | 67.41 | 1.484 | 1.484 | 1017.85 | 1818 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1510 |  |  |  |  |  |  |  | No | XXXX | 7 | 1 | N/A | 2411.37 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 411 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1150 | 1400 | Appraisal - 1007 |  | N/A |  |  | 1150 | Actual In Place Rent | No | 80.29 | 1.245 | 1.245 | 923.36 | 1150 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1150 |  |  |  |  |  |  |  | No | XXXX | 7 | 1 | N/A | 2672.65 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 412 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 69.78 | 1.412 | 1.433 | 1046.65 | 2000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1500 |  |  |  |  |  |  |  | No | XXXX | 7 | 1 | N/A | 2342.04 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 413 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1100 | 1550 | Appraisal - 1007 |  | N/A |  |  | 1100 | Actual In Place Rent | No | 99.42 | 0.998 | 1.006 | 1093.59 | 1100 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1100 |  |  |  |  |  |  |  | No | XXXX | 7 | 1 | N/A | 2238.58 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 414 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1788 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 72.46 | 1.38 | 1.38 | 1086.95 | 1788 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1500 |  |  |  |  |  |  |  | No | XXXX | 7 | 1 | N/A | 2252.9 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 415 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7500 | Appraisal - 1007 | 7500 | Other | 1 |  | 7500 | Other | Yes | 61.43 | 1.539 | 1.628 | 4607.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 7500 |  |  |  |  |  |  |  | No | XXXX | 7 | 1 | N/A | 489.62 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 416 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1283 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1283 | Actual In Place Rent | No | 78.33 | 1.277 | 1.277 | 1005.03 | 1283 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1283 |  |  |  |  |  |  |  | No | XXXX | 12 | 1 | N/A | 2445.69 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 417 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1510 | 1300 | Appraisal - 1007 |  | N/A |  |  | 1300 | Appraisal - 1007 | No | 69.62 | 1.436 | 1.436 | 905.03 | 1510 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1300 |  |  |  |  |  |  |  | No | XXXX | 12 | 1 | N/A | 2720.54 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 418 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1450 | 1400 | Appraisal - 1007 |  | N/A |  |  | 1400 | Appraisal - 1007 | No | 79.4 | 1.259 | 1.259 | 1111.59 | 1450 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1400 |  |  |  |  |  |  |  | No | XXXX | 12 | 1 | N/A | 2203.6 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 420 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1025 |  | N/A |  |  | 2800 | Appraisal - 1025 | No | 51.79 | 1.931 | 1.931 | 1450.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2800 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 27.22 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 421 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2015 | Appraisal - 1007 |  | N/A |  |  | 2015 | Appraisal - 1007 | No | 97.15 | 1.001 | 1.029 | 1957.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2015 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 5.41 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 422 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1500 | 2700 | Appraisal - 1007 |  | N/A |  |  | 1500 | Actual In Place Rent | No | 93.3 | 1.07 | 1.072 | 1399.49 | 1500 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1500 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 72.62 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 423 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 82.17 | 1.194 | 1.217 | 1643.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 2000 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 63.23 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 424 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1450 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1450 | Actual In Place Rent | No | 87.36 | 1.14 | 1.145 | 1266.72 | 1450 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1450 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 58.23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 426 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1007 |  | N/A |  |  | 4000 | Appraisal - 1007 | No | 89.26 | 1.12 | 1.12 | 3570.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4000 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 44.98 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 427 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 2750 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 128.77 |  | 0 | 3219.15 | 2750 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | XXXX | 2 | 1 | N/A | 22.57 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 429 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6800 | Appraisal - 1025 |  | N/A |  |  | 6800 | Appraisal - 1025 | No | 83.13 | 1.2 | 1.203 | 5653.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6800 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 12.82 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 430 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 1900 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 112.09 |  | 0 | 2129.78 | 1900 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1900 |  |  |  |  |  |  | No | No | XXXX | 2 | 1 | N/A | 5.72 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 431 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal - 1007 |  | N/A |  |  | 1850 | Appraisal - 1007 | No | 90.24 | 1.108 | 1.108 | 1669.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1850 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 29.55 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 432 | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 77.13 |  | 0 | 1696.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2200 |  |  |  |  |  |  |  | No | XXXX | 3 | 1 | N/A | 16.51 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 433 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | Actual In Place Rent | No |  |  | 0 | 2515 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 0 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 7 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 434 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1950 | 2250 | Appraisal - 1007 |  | N/A |  |  | 1950 | Actual In Place Rent | No | 92.57 | 1.08 | 1.08 | 1805.16 | 1950 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1950 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 113.71 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 435 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1400 | 1795 | Appraisal - 1007 |  | N/A |  |  | 1400 | Actual In Place Rent | No | 100.01 | 1 | 1 | 1400.11 | 1400 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1400 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 87.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 436 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 88.11 | 1.13 | 1.135 | 1762.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2000 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 32.65 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 437 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4200 | 6600 | Appraisal - 1025 |  | N/A |  |  | 6600 | Appraisal - 1025 | No | 81.76 | 1.22 | 1.223 | 5396.18 | 0 | XXXX | XXXX | 2000 | XXXX | XXXX | 2200 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 6600 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 8.25 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 438 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3000 | 2620 | Appraisal - 1007 |  | N/A |  |  | 3000 | Actual In Place Rent | No | 108.36 | 1.02 | 0.923 | 3250.93 | 3000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3000 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 13.38 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 442 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3150 | Appraisal - 1025 |  | N/A |  |  | 3150 | Appraisal - 1025 | No | 67.03 | 1.49 | 1.492 | 2111.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3150 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 95.5 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 443 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6000 | Appraisal - 1025 |  | N/A |  |  | 6000 | Appraisal - 1025 | No | 60.69 | 1.629 | 1.648 | 3641.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 6000 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 25.35 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 444 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3250 | Appraisal - 1007 |  | N/A |  |  | 3250 | Appraisal - 1007 | No | 96.84 | 1.03 | 1.033 | 3147.42 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3250 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 12.87 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 445 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1025 |  | N/A |  |  | 3200 | Appraisal - 1025 | No | 49.81 | 2.01 | 2.008 | 1593.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3200 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 42.02 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 448 | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 89.17 |  | 0 | 3120.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 51.56 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 449 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 67.77 |  | 0 | 1694.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 6.01 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 450 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 109.54 |  | 0 | 2738.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 60.94 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 452 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5000 | Appraisal - 1007 |  | N/A |  |  | 5000 | Appraisal - 1007 | No | 99.45 | 1 | 1.006 | 4972.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5000 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 648.35 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 453 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5000 | Appraisal - 1007 |  | N/A |  |  | 5000 | Appraisal - 1007 | No | 99.45 | 1 | 1.006 | 4972.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5000 |  |  |  |  |  |  |  | No | XXXX | 2 | 1 | N/A | 617.8 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 455 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1280 | Appraisal - 1007 |  | N/A |  |  | 1280 | Appraisal - 1007 | No | 72.45 | 1.38 | 1.38 | 927.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1280 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 11.81 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 458 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3550 | Appraisal - 1007 |  | N/A |  |  | 3550 | Appraisal - 1007 | No | 104.8 | 0.95 | 0.954 | 3720.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3550 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 30.69 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 459 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3700 | 1900 | Appraisal - 1007 |  | N/A |  |  | 3700 | Actual In Place Rent | No | 64.54 | 1.549 | 1.549 | 2387.91 | 3700 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3700 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 12.52 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 460 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 108.21 | 0.924 | 0.924 | 2164.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 2000 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 178.01 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 461 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3995 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 99.68 | 1 | 1.003 | 4485.6 | 3995 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4500 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 136.83 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 462 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 2850 | Appraisal - 1007 |  | N/A |  |  | 2850 | Appraisal - 1007 | No | 99.98 | 1 | 1 | 2849.38 | 2500 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 2850 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 137.69 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 463 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2250 | Appraisal - 1007 |  | N/A |  |  | 2250 | Appraisal - 1007 | No | 94.21 | 1.061 | 1.061 | 2119.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2250 |  |  |  |  |  |  |  | No | XXXX | 2 | 1 | N/A | 14.61 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 464 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No | 74.15 | 1.35 | 1.349 | 1927.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2600 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 49.84 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 465 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 22412 | 22000 | Appraisal - 1025 |  | N/A |  |  | 22000 | Appraisal - 1025 | No | 75.69 | 1.3 | 1.321 | 16651.84 | 9500 | XXXX | XXXX | 6108 | XXXX | XXXX | 6804 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 22000 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 51.54 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 466 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 22005 | 22000 | Appraisal - 1025 |  | N/A |  |  | 22000 | Appraisal - 1025 | No | 75.63 | 1.32 | 1.322 | 16639.58 | 8750 | XXXX | XXXX | 5400 | XXXX | XXXX | 7855 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 22000 |  |  |  |  |  |  |  | No | XXXX | 2 | 1 | N/A | 67.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 467 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 93.6 |  | 0 | 1778.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1900 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 10.42 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 468 | XXXX | XXXX | XXXX | 1YR Full Doc | Present | Yes | 2800 | 2800 | Appraisal - 1025 |  | N/A |  |  | 2800 | Appraisal - 1025 | No | 92.18 |  | 0 | 2581.04 | 1400 | XXXX | XXXX | 1400 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2800 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 34.77 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 469 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1200 | Appraisal - 1007 |  | N/A |  |  | 1200 | Appraisal - 1007 | No | 96.96 | 1.098 | 1.031 | 1163.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1200 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 72.56 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 470 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3900 | Appraisal - 1007 |  | N/A |  |  | 3900 | Appraisal - 1007 | No | 60.57 | 1.651 | 1.651 | 2362.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3900 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 6.88 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 472 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4000 | 4200 | Appraisal - 1007 |  | N/A |  |  | 4200 | Appraisal - 1007 | No | 99.37 | 1.006 | 1.006 | 4173.35 | 4000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 4200 |  |  |  |  |  |  |  | No | XXXX | 2 | 1 | N/A | 70.45 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 475 | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1700 | Appraisal - 1007 | No | 176.52 |  | 0 | 3000.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1700 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 265.74 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 476 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 84.08 | 1.189 | 1.189 | 2942.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 48.19 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 477 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2900 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No | 99.65 | 1 | 1.003 | 2590.97 | 2900 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2600 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 15.19 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 481 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2775 | Appraisal - 1007 |  | N/A |  |  | 2775 | Appraisal - 1007 | No | 100.45 | 1.05 | 0.996 | 2787.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 2775 |  |  |  |  |  |  | No | No | XXXX | 1 | 1 | N/A | 293.91 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 482 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 86.83 | 1.15 | 1.152 | 1649.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 1900 |  |  |  |  |  |  | No | No | XXXX | 2 | 1 | N/A | 543.69 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 483 | XXXX | XXXX | XXXX | 24 Month Bank Statement | Present | No | 0 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 90.75 |  | 0 | 1633.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1800 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 65.65 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 484 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 2062.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 31.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 485 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3569 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 99.95 | 1 | 1.001 | 2098.89 | 3569 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2100 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 100.51 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 487 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 81.57 | 1.22 | 1.226 | 1631.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 26.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 488 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 87.23 | 1.05 | 1.146 | 2878.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | XXXX | 10 | 1 | N/A | 128.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 489 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3100 | Appraisal - 1007 |  | N/A |  |  | 3100 | Appraisal - 1007 | No | 69.44 | 1.4 | 1.44 | 2152.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3100 |  |  |  |  |  |  |  | No | XXXX | 10 | 1 | N/A | 171.99 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 490 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 70.1 | 1.4 | 1.427 | 2103 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3000 |  |  |  |  |  |  |  | No | XXXX | 10 | 1 | N/A | 0.35 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 491 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 73.91 | 1.39 | 1.353 | 2069.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2800 |  |  |  |  |  |  |  | No | XXXX | 10 | 1 | N/A | 79.18 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 492 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 88.7 | 1.1 | 1.127 | 2927.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | XXXX | 10 | 1 | N/A | 126.78 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 493 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 76.12 | 1.35 | 1.314 | 2131.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2800 |  |  |  |  |  |  |  | No | XXXX | 10 | 1 | N/A | 36.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 494 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3100 | Appraisal - 1007 |  | N/A |  |  | 3100 | Appraisal - 1007 | No | 95.87 | 1 | 1.043 | 2971.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3100 |  |  |  |  |  |  |  | No | XXXX | 10 | 1 | N/A | 121.03 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 495 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 89.15 | 1.01 | 1.122 | 2941.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | XXXX | 10 | 1 | N/A | 125.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 501 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4033 | Appraisal - 1007 |  | N/A |  |  | 4033 | Appraisal - 1007 | No |  |  | 0 | 5409 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4033 |  |  |  |  |  |  |  | No | XXXX | 2 | 1 | N/A | 1040.6 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 502 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 7000 | Appraisal - 1007 |  | N/A |  |  | 7000 | Appraisal - 1007 | No | 149.03 |  | 0 | 10432.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 7000 |  |  |  |  |  |  |  | No | XXXX | 2 | 1 | N/A | 443.09 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 503 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 5500 | Appraisal - 1007 |  | N/A |  |  | 5500 | Appraisal - 1007 | No | 120.19 |  | 0 | 6610.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 5500 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 163.63 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 504 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 7000 | Appraisal - 1025 |  | N/A |  |  | 7000 | Appraisal - 1025 | No | 91.94 |  | 0 | 6435.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 7000 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 38.25 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 507 | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 4484.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 0 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 6.83 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 514 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2025 | Appraisal - 1007 |  | N/A |  |  | 2025 | Appraisal - 1007 | No | 111.52 | 0 | 0 | 2258.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2025 |  |  |  |  |  |  |  | No | XXXX | 1 | 1 | N/A | 7.76 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

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## Exhibit 99.2

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 351 | XXXX C B A | Closed | FCOM5135 | 2024-04-05 13:06 | 2024-05-09 14:41 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Originator waiver applied, non-material finding. - Due Diligence Vendor-05/09/2024 |  | Waived-Required Affiliated Business Disclosure Missing - Originator waiver applied, non-material finding. - Due Diligence Vendor-05/09/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Min score allowed is 660, qualifying score used is 684.<br>Months Reserves exceed minimum required - 6 months reserves required, post close reserves are 10.67 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 1554577 |
| XXXX | 351 | XXXX C B A | Closed | FCOM2340 | 2024-04-05 13:15 | 2024-04-16 09:18 | Resolved | 1 - Information C A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-Received corrected PCCD XXXX, LOE to borrower and proof of delivery. - Due Diligence Vendor-04/16/2024 <br> Ready for Review-Document Uploaded. See attached LOE and PCCD. Please clear this exception. - Seller-04/15/2024 <br> Open-CD: General Form Requirements Not Met -----Final CD XXXX, page 4 is missing selection for Partial Payments. Provide a PCCD with correction and LOE to borrower within 60 days of consummation. - Due Diligence Vendor-04/05/2024 | Ready for Review-Document Uploaded. See attached LOE and PCCD. Please clear this exception. - Seller-04/15/2024<br>| Resolved-Received corrected PCCD XXXX, LOE to borrower and proof of delivery. - Due Diligence Vendor-04/16/2024 | Qualifying FICO score is at least 20 points above minimum for program - Min score allowed is 660, qualifying score used is 684.<br>Months Reserves exceed minimum required - 6 months reserves required, post close reserves are 10.67 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 1554617 |
| XXXX | 352 | XXXX D A | Closed | FCRE1182 | 2024-09-10 17:17 | 2025-01-03 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary provided. - Due Diligence Vendor-09/20/2024 <br>Ready for Review-Document Uploaded. - Seller-09/18/2024 <br>Open-Missing Approval/Underwriting Summary Missing lender approval document. - Due Diligence Vendor-09/11/2024 | Ready for Review-Document Uploaded. - Seller-09/18/2024<br>| Resolved-Approval/Underwriting Summary provided. - Due Diligence Vendor-09/20/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2347539 |
| XXXX | 352 | XXXX D A | Closed | FCRE1198 | 2024-09-10 17:17 | 2025-01-03 09:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 27.14 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Additional assets povided. - Due Diligence Vendor-09/20/2024 <br>Ready for Review-Document Uploaded. - Seller-09/18/2024 <br>Open-Audited Reserves of 0.94 month(s) are less than Guideline Required Reserves of 9 month(s) Additional asset documentation is required. - Due Diligence Vendor-09/11/2024 | Ready for Review-Document Uploaded. - Seller-09/18/2024<br>| Resolved-Audited Reserves of 27.14 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Additional assets povided. - Due Diligence Vendor-09/20/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2347540 |
| XXXX | 352 | XXXX D A | Closed | FCRE5782 | 2024-09-10 16:45 | 2025-01-03 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-09/20/2024 <br>Ready for Review-Document Uploaded. - Seller-09/18/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap.<br> - Due Diligence Vendor-09/11/2024 | Ready for Review-Document Uploaded. - Seller-09/18/2024<br>| Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-09/20/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2347204 |
| XXXX | 352 | XXXX D A | Closed | FCRE1440 | 2024-09-10 16:45 | 2025-01-03 09:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements. Pay histories have been provided. - Due Diligence Vendor-01/03/2025 <br> Ready for Review-Document Uploaded. I have uploaded XXXX again. I opened it inside the XXXX site. This should be viewable now. Thank you - Seller-01/02/2025 <br> Counter-Unable to open all the attachments. Verified XXXX pay history. - Due Diligence Vendor-01/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2024 <br> Counter-Mortgage Statement documents would not open. Please re-upload. - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Document Uploaded. - Seller-12/23/2024 <br> Counter-Received subject VOM and primary rent free letter. Missing verification that all mortgages reported on credit report are current with exception of XXXX for which a mortgage supplement was provided. - Due Diligence Vendor-12/20/2024 <br> Ready for Review-Document Uploaded. - Seller-12/19/2024 <br> Counter-VOM document will not open. Please re-upload. - Due Diligence Vendor-11/20/2024 <br> Ready for Review-Document Uploaded. - Seller-11/18/2024 <br> Open-Housing History Does Not Meet Guideline Requirements 1. Missing VOM for subject property meeting guideline requirements.<br> 2. Missing verification that all mortgages reported on credit report are current with exception of XXXX for which a mortgage supplement was provided.<br> 3. Missing complete 12-month history for borrower's primary residence. 1003 reflects Borrower at current residence from the past 3 months and prior to that living rent free for 6 years. Guidelines allow a borrower living rent free with a non - borrowing spouse. To be eligible, the non-borrowing spouse must provide a rent-free letter and evidence of an acceptable housing payment history to complete a 12-month housing payment history (mortgage or rent - spouse must be obtained. Additional findings may apply because a Borrower living rent free with any person other than a non-borrowing spouse are not eligible and may only be considered on an exception basis. - Due Diligence Vendor-09/10/2024 | Ready for Review-Document Uploaded. I have uploaded XXXX again. I opened it inside the Clarifii site. This should be viewable now. Thank you - Seller-01/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2024 <br> Ready for Review-Document Uploaded. - Seller-12/23/2024 <br> Ready for Review-Document Uploaded. - Seller-12/19/2024 <br> Ready for Review-Document Uploaded. - Seller-11/18/2024 | Resolved-Housing History Meets Guideline Requirements. Pay histories have been provided. - Due Diligence Vendor-01/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2347203 |
| XXXX | 352 | XXXX D A | Closed | FCRE6618 | 2024-09-10 17:23 | 2024-12-26 14:07 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received mortgage, commercial loan in the name of business. - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Document Uploaded. XXXX is commercial debt. I have attached the mortgage. This is why the property was removed from the 1003 - Seller-12/23/2024 <br> Counter-Property XXXX needs to be added to 1003. - Due Diligence Vendor-10/25/2024 <br> Ready for Review-Document Uploaded. Please see updated 1003 matching all REO to the liabilities. - Seller-10/23/2024 <br> Open-Missing fully completed 1003 included all real estate owned and the mortgages associated with the property. - Due Diligence Vendor-09/10/2024 | Ready for Review-Document Uploaded. XXXX is commercial debt. I have attached the mortgage. This is why the property was removed from the 1003 - Seller-12/23/2024 <br> Ready for Review-Document Uploaded. Please see updated 1003 matching all REO to the liabilities. - Seller-10/23/2024 | Resolved-Received mortgage, commercial loan in the name of business. - Due Diligence Vendor-12/26/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2347595 |
| XXXX | 352 | XXXX D A | Closed | FCRE7497 | 2024-09-10 16:34 | 2024-12-26 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage, commercial loan in the name of company. - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Document Uploaded. Please note that XXXX is Commercial debt. Please see attached mortgage. This is why the property was removed from the 1003 - Seller-12/23/2024 <br> Counter-Commercial Note for XXXX provided. Please provide PITIA for XXXX. - Due Diligence Vendor-11/14/2024 <br> Ready for Review-Document Uploaded. Please see the commercial note for XXXX. - Seller-11/13/2024 <br> Counter-Please provide PITIA for 3e and documentation to support XXXX is commercial. - Due Diligence Vendor-10/29/2024 <br> Ready for Review-Document Uploaded. Please see attached mortgage statements. The HOI for XXXX is commercial debt and not part of this transaction. All are escrowed except for XXXX. I have provided insurance and taxes - Seller-10/25/2024 <br> Open-1. Provide documentation to support PITIA for all REOs listed on the 1003 including current primary residence. Unable to tie REO on 1003 to the mortgages reporting on the credit report. Audit's DTI only includes subject property, mortgage payment noted on credit report for primary and taxes for the primary residence, and HOI for REO XXXX and XXXX. Additional findings may apply as PITIA for all properties owned to be included in DTI.<br> 2. Missing verification of PITIA for property located on XXXX. An insurance policy was provided (PDFG 142) but property is not listed on 1003. HOI premium included. Additional findings may apply as PITIA for this property be included in DTI. - Due Diligence Vendor-09/10/2024 | Ready for Review-Document Uploaded. Please note that XXXX is Commercial debt. Please see attached mortgage. This is why the property was removed from the 1003 - Seller-12/23/2024 <br> Ready for Review-Document Uploaded. Please see the commercial note for XXXX. - Seller-11/13/2024 <br> Ready for Review-Document Uploaded. Please see attached mortgage statements. The HOI for XXXX is commercial debt and not part of this transaction. All are escrowed except for XXXX. I have provided insurance and taxes - Seller-10/25/2024 | Resolved-Received Mortgage, commercial loan in the name of company. - Due Diligence Vendor-12/26/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2347025 |
| XXXX | 352 | XXXX D A | Closed | FCRE7000 | 2024-09-11 06:42 | 2024-12-20 15:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received Borrowing Certificate - Due Diligence Vendor-12/20/2024 <br>Ready for Review-Document Uploaded. - Seller-12/19/2024 <br>Counter-Exception for closing in entity with more than 4 members provided, however guidelines state a LLC Borrowing Certificate required when all members are not on the loan. - Due Diligence Vendor-11/14/2024 <br>Ready for Review-Document Uploaded. Please see the attached vesting exception. We are leveraging the OA instead of borrower cert for WSIP. - Seller-11/13/2024 <br>Counter-Cert Of Resolution has been provided. Missing LLC Borrowing Certiﬁcate. Finding remains. - Due Diligence Vendor-10/23/2024 <br>Ready for Review-Document Uploaded. - Seller-10/21/2024 <br>Open-1. Missing Certiﬁcate of Authorization for the person executing all documents on behalf of the Entity<br> 2. Missing LLC Borrowing Certiﬁcate required when all members are not on the loan.<br> - Due Diligence Vendor-09/11/2024 | Ready for Review-Document Uploaded. - Seller-12/19/2024 <br> Ready for Review-Document Uploaded. Please see the attached vesting exception. We are leveraging the OA instead of borrower cert for XXXX. - Seller-11/13/2024 <br> Ready for Review-Document Uploaded. - Seller-10/21/2024 | Resolved-Received Borrowing Certificate - Due Diligence Vendor-12/20/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2349603 |
| XXXX | 352 | XXXX D A | Closed | FCRE7806 | 2024-09-10 17:04 | 2024-10-29 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet provided. - Due Diligence Vendor-10/23/2024 <br>Ready for Review-Document Uploaded. Please see the attached bank statement calculation. Additionally, we have updated the 1003. - Seller-10/21/2024 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-09/10/2024 | Ready for Review-Document Uploaded. Please see the attached bank statement calculation. Additionally, we have updated the 1003. - Seller-10/21/2024<br>| Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet provided. - Due Diligence Vendor-10/23/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2347400 |
| XXXX | 352 | XXXX D A | Closed | FCRE6911 | 2024-09-10 17:20 | 2024-10-25 15:04 | Resolved | 1 - Information C A | Credit | Eligibility | DTI exceeds program maximum | Resolved-DTI is within tolerance - Due Diligence Vendor-10/25/2024 <br>Ready for Review-Document Uploaded. Please see revised 1003. We reflect DTI to be 19% - Seller-10/23/2024 <br>Open-15.66% DTI is less than 50% maximum. - Due Diligence Vendor-09/10/2024 | Ready for Review-Document Uploaded. Please see revised 1003. We reflect DTI to be 19% - Seller-10/23/2024<br>| Resolved-DTI is within tolerance - Due Diligence Vendor-10/25/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2347579 |
| XXXX | 352 | XXXX D A | Closed | FCRE1254 | 2024-09-10 15:40 | 2024-10-25 14:56 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Revised Title provided. - Due Diligence Vendor-10/25/2024 <br> Open-Property Title Issue Missing mortgage release for subject property. Per title, there was a XXXX loan and per payoff, current balance is XXXX of which XXXX is the collateral release amount for subject loan. - Due Diligence Vendor-09/10/2024 |  | Resolved-Revised Title provided. - Due Diligence Vendor-10/25/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2346320 |
| XXXX | 352 | XXXX D A | Closed | FCRE1148 | 2024-09-10 15:40 | 2024-10-25 14:55 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-10/25/2024 <br> Ready for Review-Document Uploaded. Please see final policy reflecting adequate coverage. THX - Seller-10/23/2024 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing an additional XXXX coverage. - Due Diligence Vendor-09/10/2024 | Ready for Review-Document Uploaded. Please see final policy reflecting adequate coverage. THX - Seller-10/23/2024<br>| Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-10/25/2024 | Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2346321 |
| XXXX | 352 | XXXX D A | Closed | FCRE0044 | 2024-09-10 17:05 | 2024-10-22 12:19 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries is present provided. - Due Diligence Vendor-10/22/2024 <br> Ready for Review-Document Uploaded. - Seller-10/21/2024 <br> Open-LOX for credit inquiries is missing for the original credit report and the Gap report has inquiries on XXXX and XXXX. - Due Diligence Vendor-09/20/2024 | Ready for Review-Document Uploaded. - Seller-10/21/2024<br>| Resolved-LOX for credit inquiries is present provided. - Due Diligence Vendor-10/22/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2347411 |
| XXXX | 352 | XXXX D A | Closed | FCRE2245 | 2024-09-10 17:15 | 2024-10-09 17:46 | Resolved | 1 - Information B A | Credit | Eligibility | Unable To Determine Guidelines Used At Origination | Resolved-Review to Alt doc as requested - Due Diligence Vendor-10/09/2024 <br> Ready for Review-Please use Enhanced Alt Doc - Seller-10/07/2024 <br> Open-Tape reflects loan program "XXXX" However, subject loan is a cash out term refi of an investment property with 12 months bank statements. Audit used Enhanced Alt doc. Provide clarification on the loan program. - Due Diligence Vendor-09/10/2024 | Ready for Review-Please use Enhanced Alt Doc - Seller-10/07/2024<br>| Resolved-Review to Alt doc as requested - Due Diligence Vendor-10/09/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2347534 |
| XXXX | 352 | XXXX D A | Closed | FCRE7009 | 2024-09-10 16:07 | 2024-10-04 15:56 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-RCE provided. - Due Diligence Vendor-10/04/2024 <br>Ready for Review-Document Uploaded. Please see attached RCE. This should clear the condition. - Seller-10/03/2024 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Coverage is not sufficient, and to provide commentary of 100% replacement cost.<br> - Due Diligence Vendor-09/10/2024 | Ready for Review-Document Uploaded. Please see attached RCE. This should clear the condition. - Seller-10/03/2024<br>| Resolved-RCE provided. - Due Diligence Vendor-10/04/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 757 score is below minimum of 660.<br>LTV is less than guideline maximum - 70% LTV is less than 80% maximum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2346703 |
| XXXX | 353 | XXXX C B A | Closed | FCRE7009 | 2024-11-04 14:30 | 2025-02-10 08:24 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received new post close policy along with an LOE. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. Updated HOI - XXXX coverage and PIF - Buyer-02/04/2025 <br> Counter-Provide a separate RCE from the HOI company that separate from the dwelling coverage. - Due Diligence Vendor-11/06/2024 <br> Ready for Review-Document Uploaded. I called and spoke with the insurance agent, who confirmed that the replacement cost coverage for the property is XXXX. - Buyer-11/05/2024 <br> Open-Insufficient Coverage Amount for Insured Subject Property. HOI policy reflects coverage of XXXX which is less than the loan amount. - Due Diligence Vendor-11/04/2024 |  | Resolved-Received new post close policy along with an LOE. - Due Diligence Vendor-02/05/2025<br>| LTV is less than guideline maximum - LTV - 52.94% / Maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower has 779 FICO - 660 minimum |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2739259 |
| XXXX | 353 | XXXX C B A | Closed | FCRE0019 | 2024-11-04 13:25 | 2024-11-19 15:04 | Waived | 2 - Non-Material C B | Credit | Income/Employment | PTIN Prepared P&L | Waived-Client provided a waiver, applied to non material finding with comp factors - Due Diligence Vendor-11/19/2024 <br> Ready for Review-Document Uploaded. PTIN approval - Buyer-11/18/2024 <br> Open-PTIN prepared the P&L. Per lender guidelines the P&L must be completed and reviewed by a Certified Public Accountant, Enrolled Agent, CTEC, Chartered Tax Adviser or Independent Licensed Accountant. PTIN preparers that work for a 3rd party firm may be permitted by exception only. - Due Diligence Vendor-11/04/2024 |  | Waived-Client provided a waiver, applied to non material finding with comp factors - Due Diligence Vendor-11/19/2024<br>| LTV is less than guideline maximum - LTV - 52.94% / Maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower has 779 FICO - 660 minimum | XXXX | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 2738430 |
| XXXX | 353 | XXXX C B A | Closed | FCOM5135 | 2024-10-31 11:29 | 2024-10-31 11:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-10/31/2024 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-10/31/2024<br>| LTV is less than guideline maximum - LTV - 52.94% / Maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower has 779 FICO - 660 minimum |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 2721651 |
| XXXX | 354 | XXXX D A C | Closed | FCRE5782 | 2024-11-21 15:07 | 2025-05-23 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/14/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/21/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/14/2024<br>| LTV is less than guideline maximum - Max LTV/CLTV is 70%; qualifying LTV/CLTV is 50.85/56.78%.<br>Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 16.47 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2859732 |
| XXXX | 354 | XXXX D A C | Closed | FCRE5783 | 2024-11-21 15:07 | 2025-05-23 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-12/14/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-11/21/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-12/14/2024<br>| LTV is less than guideline maximum - Max LTV/CLTV is 70%; qualifying LTV/CLTV is 50.85/56.78%.<br>Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 16.47 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2859733 |
| XXXX | 354 | XXXX D A C | Closed | FCRE0044 | 2024-12-14 17:25 | 2025-01-10 09:32 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-01/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/09/2025 <br> Counter-LOE for the credit report inquiries provided. Please provide the LOE for the Gap Report Inquiry. - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. - Seller-01/06/2025 <br> Open-LOX for credit inquiries is missing. \*New\* Please provide an LOE for the Inquiry on XXXX reporting on the Gap report. - Due Diligence Vendor-12/14/2024 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/06/2025<br>| Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-01/10/2025<br>| LTV is less than guideline maximum - Max LTV/CLTV is 70%; qualifying LTV/CLTV is 50.85/56.78%.<br>Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 16.47 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3007997 |
| XXXX | 354 | XXXX D A C | Closed | FCRE1148 | 2024-11-21 16:02 | 2025-01-09 16:13 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Upon further review, XXXX in title insurance is acceptable. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Our loan amount is XXXX and the title insurance coverage is XXXX. The second mtg did not require title insurance. - Seller-01/09/2025 <br> Ready for Review-Document Uploaded. Please see title commitment for XXXX, which is our loan amount. The second mortgage did not require title insurance since it was boot collateral to a commercial loan - Seller-11/23/2024 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-11/21/2024 | Ready for Review-Our loan amount is XXXX and the title insurance coverage is XXXX. The second mtg did not require title insurance. - Seller-01/09/2025 <br> Ready for Review-Document Uploaded. Please see title commitment for XXXX, which is our loan amount. The second mortgage did not require title insurance since it was boot collateral to a commercial loan - Seller-11/23/2024 | Resolved-Upon further review, 3 million in title insurance is acceptable. - Due Diligence Vendor-01/09/2025<br>| LTV is less than guideline maximum - Max LTV/CLTV is 70%; qualifying LTV/CLTV is 50.85/56.78%.<br>Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 16.47 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2860305 |
| XXXX | 354 | XXXX D A C | Closed | FCRE1150 | 2024-11-21 14:17 | 2025-01-08 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-Received Subordination agreement and terms. - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/06/2025 <br>Counter-Subordination agreement provided. Please provided documentation to support loan terms, loan amount, and monthly payment as reflected on Final 1003 and 1008. Additional conditions may apply. - Due Diligence Vendor-12/14/2024 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024 <br>Open-Missing Subordination Agreement 1008 and 1003 reflect secondary financing balance and payment. Missing all documentation to support loan terms, loan amount, and monthly payment as reflected on Final 1003 and 1008. Additional conditions may apply. - Due Diligence Vendor-11/21/2024 | Ready for Review-Document Uploaded. - Seller-01/06/2025 <br>Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-Received Subordination agreement and terms. - Due Diligence Vendor-01/08/2025<br>| LTV is less than guideline maximum - Max LTV/CLTV is 70%; qualifying LTV/CLTV is 50.85/56.78%.<br>Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 16.47 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2859177 |
| XXXX | 354 | XXXX D A C | Closed | finding-2504 | 2024-11-19 14:26 | 2024-12-18 14:04 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Index value updated, no additional documentation is needed or required. - Due Diligence Vendor-12/18/2024 <br> Ready for Review-Document Uploaded. Please note that our software passed the TILA rescission finance charge test. - Seller-12/11/2024 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate for purposes of rescission because it is understated by more than XXXX. -----Finance charge is understated by XXXX which exceeds threshold of XXXX. Provide evidence of refund or principal reduction for XXXX or, at a minimum, to the XXXX threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. <br> - Due Diligence Vendor-11/21/2024 | Ready for Review-Document Uploaded. Please note that our software passed the TILA rescission finance charge test. - Seller-12/11/2024<br>| Resolved-Index value updated, no additional documentation is needed or required. - Due Diligence Vendor-12/18/2024<br>| LTV is less than guideline maximum - Max LTV/CLTV is 70%; qualifying LTV/CLTV is 50.85/56.78%.<br>Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 16.47 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2842799 |
| XXXX | 354 | XXXX D A C | Closed | finding-3734 | 2024-11-19 14:26 | 2024-12-18 14:04 | Resolved | 1 - Information C A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-Index value updated, no additional documentation is needed or required. - Due Diligence Vendor-12/18/2024 <br> Ready for Review-Document Uploaded. According to our software we pass TRID foreclosure rescission total of payments test. Please note that this loan has an IO feature. - Seller-12/11/2024 <br> Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is XXXX. The disclosed total of payments charge of XXXX is not considered accurate for purposes of rescission because it is understated by more than XXXX. -----Total of payments is understated by XXXX which exceeds threshold of XXXX. Provide evidence of refund or principal reduction for XXXX, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. <br> - Due Diligence Vendor-11/21/2024 | Ready for Review-Document Uploaded. According to our software we pass TRID foreclosure rescission total of payments test. Please note that this loan has an IO feature. - Seller-12/11/2024<br>| Resolved-Index value updated, no additional documentation is needed or required. - Due Diligence Vendor-12/18/2024<br>| LTV is less than guideline maximum - Max LTV/CLTV is 70%; qualifying LTV/CLTV is 50.85/56.78%.<br>Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 16.47 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2842800 |
| XXXX | 354 | XXXX D A C | Closed | FPRO1137 | 2024-11-21 14:26 | 2024-11-26 12:29 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Appraisal recerts were provided. Appraiser was active and not expired. - Due Diligence Vendor-11/26/2024 <br>Ready for Review-Please provide more clarification. Both appraisers where/are actively licensed at the time of the appraisal and well within their licensing expiration. There are original appraisal reports and recerts of value. Both appraiser's licenses renewed during the interim time between the original reports and the recerts. - Seller-11/23/2024 <br>Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-11/21/2024 | Ready for Review-Please provide more clarification. Both appraisers where/are actively licensed at the time of the appraisal and well within their licensing expiration. There are original appraisal reports and recerts of value. Both appraiser's licenses renewed during the interim time between the original reports and the recerts. - Seller-11/23/2024<br>| Resolved-Appraisal recerts were provided. Appraiser was active and not expired. - Due Diligence Vendor-11/26/2024<br>| LTV is less than guideline maximum - Max LTV/CLTV is 70%; qualifying LTV/CLTV is 50.85/56.78%.<br>Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 16.47 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2859276 |
| XXXX | 355 | XXXX D B A | Closed | FCRE2245 | 2024-11-27 10:21 | 2024-12-17 10:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Unable To Determine Guidelines Used At Origination | Waived-Client provided a waiver, applied to non material with compensating factors. - Due Diligence Vendor-02/08/2025 <br>Open-12 months bank statement per tape however documents and income calculation in file supports P&L review for brr 1 main income. Additional audit review required and findings may apply. - Due Diligence Vendor-11/27/2024 |  | Waived-Client provided a waiver, applied to non material with compensating factors. - Due Diligence Vendor-02/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 770<br>LTV is less than guideline maximum - Max LTV 85% / Subject LTV 80% |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 2894825 |
| XXXX | 355 | XXXX D B A | Closed | FCRE1325 | 2024-11-27 09:51 | 2024-12-17 09:47 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Waived-Client provided a waiver, applied to non material finding with reviewed comp factors - 80% LTV < 85% maximum allowed. 770 FICO > 680 minimum required. - Due Diligence Vendor-12/17/2024 <br>Ready for Review-Document Uploaded. PTIN approval - Seller-12/16/2024 <br>Open-Borrower 1 CPA Letter Missing Missing acceptable forms of documentation that clearly state ownership percentage include a business license, a signed written statement from a CPA or a Third-Party Tax Preparer (excluding PTIN tax preparers. PTIN preparers that work for a 3rd party firm may be permitted by exception only.), an Operating Agreement, Articles of Incorporation/Articles of Organization, a Partnership Agreement, or a Business Certificate filed with a governmental agency. Tax Preparer questionnaire in file states tax preparer is a PTIN. - Due Diligence Vendor-11/27/2024 | Ready for Review-Document Uploaded. PTIN approval - Seller-12/16/2024<br>| Waived-Client provided a waiver, applied to non material finding with reviewed comp factors - 80% LTV < 85% maximum allowed. 770 FICO > 680 minimum required. - Due Diligence Vendor-12/17/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 770<br>LTV is less than guideline maximum - Max LTV 85% / Subject LTV 80% |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 2894426 |
| XXXX | 355 | XXXX D B A | Closed | FPRO0011 | 2024-11-26 21:04 | 2024-12-17 09:46 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI provided. No damage. - Due Diligence Vendor-12/17/2024 <br> Ready for Review-Document Uploaded. PDI Uploaded - Buyer-12/13/2024 <br> Open-XXXX disaster declared XXXX- XXXX Severe Storm and Flooding XXXX - Due Diligence Vendor-11/27/2024 |  | Resolved-PDI provided. No damage. - Due Diligence Vendor-12/17/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 770<br>LTV is less than guideline maximum - Max LTV 85% / Subject LTV 80% |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2891758 |
| XXXX | 355 | XXXX D B A | Closed | FCRE0019 | 2024-11-27 09:51 | 2024-12-17 09:44 | Waived | 2 - Non-Material C B | Credit | Income/Employment | PTIN Prepared P&L | Waived-Client provided a waiver, applied to non material finding with reviewed comp factors - 80% LTV < 85% maximum allowed. 770 FICO > 660 minimum required. - Due Diligence Vendor-12/17/2024 <br>Ready for Review-Document Uploaded. PTIN approval - Seller-12/16/2024 <br>Open-PTIN prepared the P&L. PTIN preparers that work for a 3rd party firm may be permitted by exception only. Exception not in file, P&L completed by PTIN per questionnaire. - Due Diligence Vendor-11/27/2024 | Ready for Review-Document Uploaded. PTIN approval - Seller-12/16/2024<br>| Waived-Client provided a waiver, applied to non material finding with reviewed comp factors - 80% LTV < 85% maximum allowed. 770 FICO > 660 minimum required. - Due Diligence Vendor-12/17/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 770<br>LTV is less than guideline maximum - Max LTV 85% / Subject LTV 80% |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 2894427 |
| XXXX | 355 | XXXX D B A | Closed | FCOM1233 | 2024-11-27 08:46 | 2024-12-17 09:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Final 1003 provided. - Due Diligence Vendor-12/17/2024 <br> Ready for Review-Document Uploaded. Please review the top of page 2 of the 1003 uploaded on XXXX. Please also see a screenshot from that page that shows the co-borrowers employment history. Please advise what is incomplete. Thank you - Seller-12/16/2024 <br> Counter-Updated 1003 provided, however the income for B2 (Section 1b) is incomplete. - Due Diligence Vendor-12/13/2024 <br> Ready for Review-Document Uploaded. Please review page 2 of the final signed 1003 that reflects the co-borrowers full employment history - Buyer-12/12/2024 <br> Open-The Final 1003 is Incomplete B2 1003 is Employment History, Declarations and Demographic. - Due Diligence Vendor-11/27/2024 | Ready for Review-Document Uploaded. Please review the top of page 2 of the 1003 uploaded on XXXX. Please also see a screenshot from that page that shows the co-borrowers employment history. Please advise what is incomplete. Thank you - Seller-12/16/2024 | Resolved-Final 1003 provided. - Due Diligence Vendor-12/17/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 770<br>LTV is less than guideline maximum - Max LTV 85% / Subject LTV 80% |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2893708 |
| XXXX | 355 | XXXX D B A | Closed | FCRE1202 | 2024-11-26 20:48 | 2024-12-13 16:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report provided. - Due Diligence Vendor-12/13/2024 <br> Ready for Review-Document Uploaded. DRIVE REPORT - Seller-12/12/2024 <br> Open-Third Party Fraud Report Partially Provided No information on B2 - Due Diligence Vendor-11/27/2024 | Ready for Review-Document Uploaded. XXXX - Seller-12/12/2024 | Resolved-Third Party Fraud Report provided. - Due Diligence Vendor-12/13/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 770<br>LTV is less than guideline maximum - Max LTV 85% / Subject LTV 80% |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2891746 |
| XXXX | 355 | XXXX D B A | Closed | FVAL4217 | 2024-11-27 08:59 | 2024-12-12 15:18 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal photos | Resolved-Colored version of the Appraisal Provided. - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. Appraisal with photos - Seller-12/11/2024 <br>Open-Appriasal missing colored photos, black and white photos are in file. - Due Diligence Vendor-11/27/2024 | Ready for Review-Document Uploaded. Appraisal with photos - Seller-12/11/2024<br>| Resolved-Colored version of the Appraisal Provided. - Due Diligence Vendor-12/12/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 770<br>LTV is less than guideline maximum - Max LTV 85% / Subject LTV 80% |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2893814 |
| XXXX | 355 | XXXX D B A | Closed | FCOM5135 | 2024-11-26 16:04 | 2024-11-26 16:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-11/26/2024 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-11/26/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 770<br>LTV is less than guideline maximum - Max LTV 85% / Subject LTV 80% |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 2890408 |
| XXXX | 356 | XXXX D A | Closed | FCRE0082 | 2024-12-04 11:58 | 2025-03-05 09:38 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Corrected Mortgage provided. - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/10/2025 <br>Counter-Business Purpose provided, however the loan is vesting in LLC however mortgage does not list the LLC name of which the borrower is signing as a member of. - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Document Uploaded. disclosure - Seller-12/16/2024 <br>Open-Vested Owner Signature Requirement Not met. Vesting in LLC however mortgage does not list the LLC name of which the borrower is signing as a member of. - Due Diligence Vendor-12/04/2024 | Ready for Review-Document Uploaded. disclosure - Seller-12/16/2024<br>| Resolved-Corrected Mortgage provided. - Due Diligence Vendor-01/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755>680<br>Months Reserves exceed minimum required - 102>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2929293 |
| XXXX | 356 | XXXX D A | Closed | FCRE1173 | 2024-12-04 12:10 | 2025-01-27 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Condo Master Insurance Policy received. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. master policy - Seller-12/16/2024 <br>Open-Missing Condo Master Insurance Policy Condo still requires a master policy. - Due Diligence Vendor-12/04/2024 | Ready for Review-Document Uploaded. master policy - Seller-12/16/2024<br>| Resolved-Condo Master Insurance Policy received. - Due Diligence Vendor-03/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755>680<br>Months Reserves exceed minimum required - 102>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2929475 |
| XXXX | 356 | XXXX D A | Closed | FCRE8701 | 2024-12-04 11:53 | 2025-01-23 13:54 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The Business Entity Formation Document has been provided. - Due Diligence Vendor-12/23/2024 <br>Ready for Review-Document Uploaded. Entity docs - Seller-12/20/2024 <br>Open-The Business Entity Formation Document is Missing Missing vested business entity documentation to meet guidelines. - Due Diligence Vendor-12/04/2024 | Ready for Review-Document Uploaded. Entity docs - Seller-12/20/2024<br>| Resolved-The Business Entity Formation Document has been provided. - Due Diligence Vendor-12/23/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 755>680<br>Months Reserves exceed minimum required - 102>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2929240 |
| XXXX | 356 | XXXX D A | Closed | FCRE0094 | 2024-12-23 12:42 | 2025-01-23 13:54 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific business purpose loan signed as individual | Resolved-Upon further review no additional document required. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/10/2025 <br> Open-PPP in XXXXor XXXX as BP signed as individual is not allowed. - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/10/2025<br>| Resolved-Upon further review no additional document required. - Due Diligence Vendor-03/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755>680<br>Months Reserves exceed minimum required - 102>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3069157 |
| XXXX | 356 | XXXX D A | Closed | FCOM1350 | 2025-01-14 12:29 | 2025-01-23 13:54 | Resolved | 1 - Information A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-Loan agreement is not required. A guarantee agreement is required. Findings updated. - Due Diligence Vendor-01/17/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. \*New\* Updated Note/Mortgage provided and the borrower signed as a member of the business. Please provide the Loan Agreement. - Due Diligence Vendor-01/14/2025 |  | Resolved-Loan agreement is not required. A guarantee agreement is required. Findings updated. - Due Diligence Vendor-01/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755>680<br>Months Reserves exceed minimum required - 102>3 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3202991 |
| XXXX | 356 | XXXX D A | Closed | FCOM1351 | 2025-01-16 12:02 | 2025-01-23 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guarantee Agreement. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. personal guaranty agreement<br> - Buyer-01/21/2025 <br>Open- - Due Diligence Vendor-01/16/2025 |  | Resolved-Received Guarantee Agreement. - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755>680<br>Months Reserves exceed minimum required - 102>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3221693 |
| XXXX | 356 | XXXX D A | Closed | FCRE0969 | 2024-12-04 14:46 | 2025-01-14 12:30 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Received corrected Note/Mortgage. Borrower signed as a member of the business. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/10/2025 <br> Open-XXXX prepay rules only permitted to legal entities, borrower signed the note as an individual and business entity - Due Diligence Vendor-12/04/2024 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/10/2025<br>| Resolved-Received corrected Note/Mortgage. Borrower signed as a member of the business. - Due Diligence Vendor-01/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755>680<br>Months Reserves exceed minimum required - 102>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2931413 |
| XXXX | 356 | XXXX D A | Closed | FCRE7497 | 2024-12-04 13:39 | 2024-12-18 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-XXXX XXXX provided. Not prior payment history is required. - Due Diligence Vendor-12/18/2024 <br> Ready for Review-Document Uploaded. validation of mtg - Seller-12/16/2024 <br> Open-Missing validation mortgage XXXX XXXX for XXXX, 1003 shows this mortgage amount however the statement in the file is from the same lender showing a lower payment, audit used lower payment, DTI to be adjusted upon receipt. Any past pay history on this mortgage must be verified if applicable. - Due Diligence Vendor-12/04/2024 | Ready for Review-Document Uploaded. validation of mtg - Seller-12/16/2024<br>| Resolved-XXXX new mortgage provided. Not prior payment history is required. - Due Diligence Vendor-12/18/2024 | Qualifying FICO score is at least 20 points above minimum for program - 755>680<br>Months Reserves exceed minimum required - 102>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2930601 |
| XXXX | 357 | XXXX D A | Closed | FPRO1245 | 2024-12-06 12:43 | 2025-01-23 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-ECL agency - 1004D is dated within 4 months of the Note date. - Due Diligence Vendor-01/06/2025 <br> Ready for Review-Document Uploaded. Recert of Value/Appraisal Update attached is dated XXXX<br> o FNMA Age of Appraisal Requirements state if the appraisal is more than 4 months old, but less than 12 months old from the Note date, an appraisal update must occur within 4 months prior to the Note date (not 120 days)<br> o Time and Date Calculator confirms that 4 months from XXXX is XXXX and the Note is dated XXXX - Buyer-01/02/2025 <br> Counter-1004D provided, however it is dated > 120 days from the Note date. Finding remains. - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. Recert of value confirming the value did not decline - Buyer-12/26/2024 <br> Open-Primary Value Appraisal is Expired Appraisal expired XXXX - note date of XXXX - Due Diligence Vendor-12/06/2024 |  | Resolved-ECL agency - 1004D is dated within 4 months of the Note date. - Due Diligence Vendor-01/06/2025<br>| LTV is less than guideline maximum - LTV - 64.941 Maximum 75%<br>Months Reserves exceed minimum required - Borrowe rhas 103 months of reserves - six required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2950979 |
| XXXX | 357 | XXXX D A | Closed | FPRO1253 | 2024-12-06 12:43 | 2025-01-23 13:57 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. CDA Uploaded - Buyer-01/21/2025 <br> Open-Additional valuation product has not been provided. Missing CDA - XXXX reflects NA - Due Diligence Vendor-12/06/2024 |  | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-01/23/2025<br>| LTV is less than guideline maximum - LTV - 64.941 Maximum 75%<br>Months Reserves exceed minimum required - Borrowe rhas 103 months of reserves - six required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2950981 |
| XXXX | 357 | XXXX D A | Closed | FPRO0013 | 2024-12-06 13:40 | 2025-01-23 13:56 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared within 120 days of Note | Resolved-Received PDI. No damage. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. Disaster Report<br> - Seller-01/21/2025 <br> Open-XXXX<br> XXXX - Due Diligence Vendor-12/06/2024 | Ready for Review-Document Uploaded. Disaster Report<br> - Seller-01/21/2025<br>| Resolved-Received PDI. No damage. - Due Diligence Vendor-01/23/2025<br>| LTV is less than guideline maximum - LTV - 64.941 Maximum 75%<br>Months Reserves exceed minimum required - Borrowe rhas 103 months of reserves - six required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2951848 |
| XXXX | 357 | XXXX D A | Closed | FCRE1728 | 2024-12-06 13:31 | 2025-01-15 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Upon further review, excluded rental income for the subject per the client and DU. - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. - DU finding #25 only requires a 1007 if rental income from the subject is being used for qualifying<br> - Pages 15 & 16 confirm the borrower is being qualified with the entire PITI payment for the subject and no rental income was used for qualifying - Seller-01/13/2025 <br>Open-Required Per DU - Due Diligence Vendor-12/06/2024 | Ready for Review-Document Uploaded. - DU finding #25 only requires a 1007 if rental income from the subject is being used for qualifying<br> - Pages 15 & 16 confirm the borrower is being qualified with the entire PITI payment for the subject and no rental income was used for qualifying - Seller-01/13/2025 | Resolved-Upon further review, excluded rental income for the subject per the client and DU. - Due Diligence Vendor-01/15/2025<br>| LTV is less than guideline maximum - LTV - 64.941 Maximum 75%<br>Months Reserves exceed minimum required - Borrowe rhas 103 months of reserves - six required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2951639 |
| XXXX | 357 | XXXX D A | Closed | FCRE5782 | 2024-12-06 13:32 | 2025-01-15 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. UDN report for borrower's 1 & 2 - Buyer-12/24/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit. - Due Diligence Vendor-12/06/2024 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-12/27/2024<br>| LTV is less than guideline maximum - LTV - 64.941 Maximum 75%<br>Months Reserves exceed minimum required - Borrowe rhas 103 months of reserves - six required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2951730 |
| XXXX | 357 | XXXX D A | Closed | FCRE5783 | 2024-12-06 13:32 | 2025-01-15 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. UDN report for borrower's 1 & 2 - Seller-12/24/2024 <br>Open-Borrower 2 Gap Credit Report is Missing Missing GAP Credit. - Due Diligence Vendor-12/06/2024 | Ready for Review-Document Uploaded. UDN report for borrower's 1 & 2 - Seller-12/24/2024<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-12/27/2024<br>| LTV is less than guideline maximum - LTV - 64.941 Maximum 75%<br>Months Reserves exceed minimum required - Borrowe rhas 103 months of reserves - six required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2951731 |
| XXXX | 357 | XXXX D A | Closed | FCRE1316 | 2024-12-06 13:22 | 2025-01-15 12:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for each income source. - Due Diligence Vendor-12/23/2024 <br>Ready for Review-Document Uploaded. VVOEs for the two jobs that were used for income. - Buyer-12/19/2024 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing final VOE for all businesses - Due Diligence Vendor-12/06/2024 |  | Resolved-Received VVOE for each income source. - Due Diligence Vendor-12/23/2024<br>| LTV is less than guideline maximum - LTV - 64.941 Maximum 75%<br>Months Reserves exceed minimum required - Borrowe rhas 103 months of reserves - six required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2951520 |
| XXXX | 357 | XXXX D A | Closed | FCRE8611 | 2024-12-06 13:22 | 2025-01-13 12:41 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received extension for 2023 - XXXX extended the deadline to file to XXXX in the state of XXXX. - Due Diligence Vendor-01/13/2025 <br> Ready for Review-Document Uploaded. Returns are on extension - Seller-01/09/2025 <br> Open-Missing borrower's 2023 1040's - Due Diligence Vendor-12/06/2024 | Ready for Review-Document Uploaded. Returns are on extension - Seller-01/09/2025<br>| Resolved-Received extension for 2023 - IRS extended the deadline to file to XXXX in the state of XXXX. - Due Diligence Vendor-01/13/2025 | LTV is less than guideline maximum - LTV - 64.941 Maximum 75%<br>Months Reserves exceed minimum required - Borrowe rhas 103 months of reserves - six required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2951517 |
| XXXX | 357 | XXXX D A | Closed | FCRE7497 | 2024-12-09 09:10 | 2025-01-07 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-PITIA provided. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. Property Detail Report for borrower #1's primary residence confirming it is owned free & clear and the annual taxes<br> - Seller-01/03/2025 <br>Open-Lender to provide evidence of the borrower's (B1) Primary residence - Due Diligence Vendor-12/09/2024 | Ready for Review-Document Uploaded. Property Detail Report for borrower #1's primary residence confirming it is owned free & clear and the annual taxes<br> - Seller-01/03/2025<br>| Resolved-PITIA provided. - Due Diligence Vendor-01/07/2025<br>| LTV is less than guideline maximum - LTV - 64.941 Maximum 75%<br>Months Reserves exceed minimum required - Borrowe rhas 103 months of reserves - six required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2959301 |
| XXXX | 357 | XXXX D A | Closed | FCOM1352 | 2024-12-06 16:04 | 2024-12-31 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-12/31/2024 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-12/27/2024 <br>Open-The Business Purpose Affidavit Disclosure is Missing N/O/O cash out requires BP form - Due Diligence Vendor-12/06/2024 |  | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-12/31/2024<br>| LTV is less than guideline maximum - LTV - 64.941 Maximum 75%<br>Months Reserves exceed minimum required - Borrowe rhas 103 months of reserves - six required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2953674 |
| XXXX | 358 | XXXX D A | Closed | FCOM8972 | 2025-03-05 08:37 | 2025-03-05 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-Received 1-4 rider - Due Diligence Vendor-03/05/2025 <br> Open-Missing 1-4 rider - Due Diligence Vendor-03/05/2025 |  | Resolved-Received 1-4 rider - Due Diligence Vendor-03/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 758 fico. 700 minimum.<br>Months Reserves exceed minimum required - 19 mths reserves; 3 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3530498 |
| XXXX | 358 | XXXX D A | Closed | FCRE1201 | 2024-12-05 11:07 | 2024-12-13 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided - Due Diligence Vendor-12/13/2024 <br>Ready for Review-Document Uploaded. Updated fraud<br> - Buyer-12/11/2024 <br>Counter-Fraud report provided, however there are High Alerts that have not been cleared. - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. fraud report - Buyer-12/06/2024 <br>Open-Missing Third Party Fraud Report Missing Fraud Rep - Due Diligence Vendor-12/05/2024 |  | Resolved-Third Party Fraud Report provided - Due Diligence Vendor-12/13/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 758 fico. 700 minimum.<br>Months Reserves exceed minimum required - 19 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 2939224 |
| XXXX | 359 | XXXX C A | Closed | FCRE7124 | 2024-12-12 09:35 | 2025-02-03 11:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 IRS Transcripts Do Not Match Income Docs | Resolved-Upon further review, loan file contains 2 years full doc that meet XXXX guidelines. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/30/2025 <br> Counter-Loan was submitted as 24 mo Full Documentation Agency. LP required two years tax returns. - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. - Transaction was qualified under the Investor Solution Program and was scored through LPA<br> - Freddie Mac Documentation Requirements attached confirm either 1040's or IRS tax transcripts can be provided (see highlighted sections on pages 1 & 2) - Buyer-12/26/2024 <br> Open-Borrower 1 IRS Transcripts Do Not Match Income Docs Missing 1040 for 2023 to verify transcripts for 2023 match - Due Diligence Vendor-12/12/2024 |  | Resolved-Upon further review, loan file contains 2 years full doc that meet XXXX guidelines. - Due Diligence Vendor-02/03/2025 | Months Reserves exceed minimum required - 14 months PITIA in reserves; 6 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 743; minimum required 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 2990445 |
| XXXX | 359 | XXXX C A | Closed | FCRE1320 | 2024-12-12 09:35 | 2025-02-03 11:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Resolved-Upon further review, loan file contains 2 years full doc that meet XXXX guidelines. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Supporting Doc Uploaded - Buyer-01/30/2025 <br> Counter-Loan was submitted as 24 mo Full Documentation Agency. - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. - Transaction was qualified under the Investor Solution Program and was scored through LPA<br> - Freddie Mac Documentation Requirements attached confirm either 1040's or IRS tax transcripts can be provided (see highlighted sections on pages 1 & 2) - Buyer-12/26/2024 <br> Open-Borrower 1 Personal Tax Returns Less Than 24 Months Provided Missing 2023 1040 tax return - Due Diligence Vendor-12/12/2024 |  | Resolved-Upon further review, loan file contains 2 years full doc that meet XXXX guidelines. - Due Diligence Vendor-02/03/2025 | Months Reserves exceed minimum required - 14 months PITIA in reserves; 6 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 743; minimum required 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 2990446 |
| XXXX | 360 | XXXX D B A C | Closed | FCRE0070 | 2024-12-13 09:55 | 2025-01-21 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-12/27/2024 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-12/13/2024 |  | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-12/30/2024<br>| LTV is less than guideline maximum - 52.94% LTV is less than guideline maximum of 75% for Ultra program.<br>Months Reserves exceed minimum required - 6.69 Months Reserves exceed minimum required of 3 months |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3000824 |
| XXXX | 360 | XXXX D B A C | Closed | FCRE1316 | 2024-12-13 09:36 | 2025-01-16 13:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received S/E employment verification. - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Seller-01/14/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. Supporting docs - Seller-01/14/2025<br>| Resolved-Received S/E employment verification. - Due Diligence Vendor-01/16/2025<br>| LTV is less than guideline maximum - 52.94% LTV is less than guideline maximum of 75% for Ultra program.<br>Months Reserves exceed minimum required - 6.69 Months Reserves exceed minimum required of 3 months |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3000596 |
| XXXX | 360 | XXXX D B A C | Closed | FPRO0012 | 2024-12-13 09:49 | 2025-01-06 09:29 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-03/05/2025 <br> Open-XXXX disaster declared PUBLIC ONLY; disaster declaration made after the date of appraisal. - Due Diligence Vendor-12/13/2024 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-03/05/2025<br>| LTV is less than guideline maximum - 52.94% LTV is less than guideline maximum of 75% for Ultra program.<br>Months Reserves exceed minimum required - 6.69 Months Reserves exceed minimum required of 3 months |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 3000761 |
| XXXX | 360 | XXXX D B A C | Closed | finding-3634 | 2024-12-12 14:59 | 2024-12-30 12:00 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd documentation. - Due Diligence Vendor-12/30/2024 <br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Seller-12/27/2024 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by XXXX (Point- Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. Supporting Docs Uploaded - Seller-12/27/2024<br>| Resolved-Rec'd documentation. - Due Diligence Vendor-12/30/2024<br>| LTV is less than guideline maximum - 52.94% LTV is less than guideline maximum of 75% for Ultra program.<br>Months Reserves exceed minimum required - 6.69 Months Reserves exceed minimum required of 3 months |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2995559 |
| XXXX | 361 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 362 | XXXX C A | Closed | FCRE1506 | 2024-12-20 13:58 | 2025-01-08 14:16 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received 12 month Statements. - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. - Seller-01/03/2025 <br> Ready for Review-Document Uploaded. Please see attached bank stmts for account XXXX used for income purposes - Seller-12/23/2024 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 12 months Business Bank Statements for asset account ending in XXXX for the period of XXXX, to support qualifying income used. - Due Diligence Vendor-12/20/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Ready for Review-Document Uploaded. Please see attached bank stmts for account 9451 used for income purposes - Seller-12/23/2024<br>| Resolved-Received 12 month Statements. - Due Diligence Vendor-01/08/2025<br>| Long term residence - Borrower in departing residence for >8 years. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 780 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3057577 |
| XXXX | 362 | XXXX C A | Closed | FCRE1292 | 2024-12-20 10:52 | 2025-01-08 14:15 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Received 12 month statements. - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. - Seller-01/03/2025 <br> Counter-August statement was provided, please provide all 12 month bank statements used for income - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Document Uploaded. Please see attached - Seller-12/23/2024 <br> Open-Income 1 Months Income Verified is Missing Missing 12 months Business Bank Statements for asset account ending in XXXX for the period of XXXX, to support qualifying income used. - Due Diligence Vendor-12/20/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-12/23/2024<br>| Resolved-Received 12 month statements. - Due Diligence Vendor-01/08/2025<br>| Long term residence - Borrower in departing residence for >8 years. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 780 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3054556 |
| XXXX | 362 | XXXX C A | Closed | FCRE1198 | 2024-12-20 11:54 | 2024-12-26 14:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 77.31 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Document Uploaded. Please note that XXXX of down payment came from a secured bridge loan. We did not delete this amount from his assets for down payment - Seller-12/23/2024 <br> Open-Audited Reserves of 3.47 month(s) are less than Guideline Required Reserves of 9 month(s) Audited Reserves of 8.13 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-12/20/2024 | Ready for Review-Document Uploaded. Please note that XXXX of down payment came from a secured XXXX loan. We did not delete this amount from his assets for down payment - Seller-12/23/2024 | Resolved-Audited Reserves of 77.31 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-12/26/2024<br>| Long term residence - Borrower in departing residence for >8 years. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 780 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3055639 |
| XXXX | 363 | XXXX D A | Closed | FCRE5782 | 2024-12-18 19:03 | 2025-05-23 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/20/2024 <br>Ready for Review-Document Uploaded. Credit refresh included in attached - Seller-12/20/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. Credit refresh included in attached - Seller-12/20/2024<br>| Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/20/2024<br>| Qualifying DTI below maximum allowed - 21% dti. 50% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico. 700 minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3039442 |
| XXXX | 363 | XXXX D A | Closed | FCOM1351 | 2024-12-18 18:13 | 2025-01-17 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-01/17/2025 <br>Ready for Review-Document Uploaded. Guaranty - Buyer-01/16/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-12/18/2024 |  | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-01/17/2025<br>| Qualifying DTI below maximum allowed - 21% dti. 50% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico. 700 minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3039147 |
| XXXX | 363 | XXXX D A | Closed | FCRE1342 | 2024-12-18 18:53 | 2024-12-26 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received Business Bank Statements Provided - Due Diligence Vendor-12/26/2024 <br>Ready for Review-Document Uploaded. Bank statements and analysis - Buyer-12/20/2024 <br>Open-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-12/20/2024 <br>Ready for Review-Document Uploaded. Bank statements - 12 months - Seller-12/19/2024 <br>Open-Borrower 1 Business Bank Statements Missing Provide acceptable most recent 12 month business bank statements to support income utilized in underwriting the subject. - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. Bank statements - 12 months - Seller-12/19/2024<br>| Resolved-Received Business Bank Statements Provided - Due Diligence Vendor-12/26/2024<br>| Qualifying DTI below maximum allowed - 21% dti. 50% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico. 700 minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3039394 |
| XXXX | 363 | XXXX D A | Closed | FCRE7806 | 2024-12-18 18:53 | 2024-12-26 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Worksheet is Present. - Due Diligence Vendor-12/20/2024 <br>Ready for Review-Document Uploaded. BS worksheet - Buyer-12/19/2024 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Provide Lender worksheet to support income utilized in approval. - Due Diligence Vendor-12/18/2024 |  | Resolved-The Borrower 1 Bank Statement Worksheet is Present. - Due Diligence Vendor-12/20/2024<br>| Qualifying DTI below maximum allowed - 21% dti. 50% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico. 700 minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3039395 |
| XXXX | 363 | XXXX D A | Closed | FCRE1292 | 2024-12-19 10:56 | 2024-12-26 10:10 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Received bank statements. - Due Diligence Vendor-12/26/2024 <br>Ready for Review-12 months of bank statements were uploaded today to the bank statement condition. - Buyer-12/19/2024 <br>Open-Income 1 Months Income Verified is Missing Provide acceptable most recent 12 month business bank statements to support income utilized in underwriting the subject. - Due Diligence Vendor-12/19/2024 |  | Resolved-Received bank statements. - Due Diligence Vendor-12/26/2024<br>| Qualifying DTI below maximum allowed - 21% dti. 50% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico. 700 minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3043782 |
| XXXX | 363 | XXXX D A | Closed | FCRE1254 | 2024-12-18 18:21 | 2024-12-20 14:26 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved with 19-26 omitted. - Due Diligence Vendor-12/20/2024 <br> Ready for Review-Document Uploaded. Title omits - Buyer-12/19/2024 <br> Open-Property Title Issue Commitment reflects currently under investigation with a prior insurer. - Due Diligence Vendor-12/18/2024 |  | Resolved-Property Title Issue Resolved with 19-26 omitted. - Due Diligence Vendor-12/20/2024<br>| Qualifying DTI below maximum allowed - 21% dti. 50% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico. 700 minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3039206 |
| XXXX | 363 | XXXX D A | Closed | FCRE1201 | 2024-12-18 19:03 | 2024-12-20 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided - Due Diligence Vendor-12/20/2024 <br>Ready for Review-Document Uploaded. Fraud included in attached - Seller-12/20/2024 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. Fraud included in attached - Seller-12/20/2024<br>| Resolved-Third Party Fraud Report provided - Due Diligence Vendor-12/20/2024<br>| Qualifying DTI below maximum allowed - 21% dti. 50% max.<br>Qualifying FICO score is at least 20 points above minimum for program - 785 fico. 700 minimum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3039445 |
| XXXX | 364 | XXXX D A | Closed | FCRE1254 | 2024-12-19 10:01 | 2025-01-20 13:30 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received documentation to support the Appraisal is correct. - Due Diligence Vendor-01/20/2025 <br> Ready for Review-Document Uploaded. Underwriter LOE and supporting docs Permits All Units - Buyer-01/17/2025 <br> Counter-Please provide documentation to support public records are incorrect. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. PFN Underwriter LOE Property Title Issue - Buyer-01/13/2025 <br> Open-Property Title Issue Preliminary title report and property detail report reflects subject property as a Duplex. Subject appraised as tri plex. Additional conditions may apply<br> - Due Diligence Vendor-12/19/2024 |  | Resolved-Received documentation to support the Appraisal is correct. - Due Diligence Vendor-01/20/2025<br>| Months Reserves exceed minimum required - 19>3<br>Qualifying FICO score is at least 20 points above minimum for program - 777>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3042941 |
| XXXX | 364 | XXXX D A | Closed | FCRE1148 | 2024-12-19 10:01 | 2025-01-20 13:29 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. Final Title Policy - Buyer-01/14/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing Title Coverage and lenders name. - Due Diligence Vendor-12/19/2024 |  | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-01/14/2025<br>| Months Reserves exceed minimum required - 19>3<br>Qualifying FICO score is at least 20 points above minimum for program - 777>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3042943 |
| XXXX | 364 | XXXX D A | Closed | FCRE1206 | 2024-12-19 10:30 | 2025-01-09 15:50 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated Fraud report adding the seller and LLC - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. PFN Underwriter LOE Exclusionary List and updated Fraud Report - Buyer-01/08/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing seller individual and LLC search on XXXX and Exclusionary list search. - Due Diligence Vendor-12/19/2024 |  | Resolved-Received updated Fraud report adding the seller and LLC - Due Diligence Vendor-01/09/2025<br>| Months Reserves exceed minimum required - 19>3<br>Qualifying FICO score is at least 20 points above minimum for program - 777>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3043382 |
| XXXX | 364 | XXXX D A | Closed | FPRO1249 | 2024-12-19 10:10 | 2025-01-09 15:47 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-Upon further review, Rural properties are allowed up 20 acres. Subject is XXXX sf. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. PFN Underwriter LOE Rural Properties Guideline - Buyer-01/08/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural properties are not eligible for investor transactions. - Due Diligence Vendor-12/19/2024 |  | Resolved-Upon further review, Rural properties are allowed up XXXX acres. Subject is XXXX sf. - Due Diligence Vendor-01/09/2025 | Months Reserves exceed minimum required - 19>3<br>Qualifying FICO score is at least 20 points above minimum for program - 777>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3043069 |
| XXXX | 364 | XXXX D A | Closed | FCRE0070 | 2024-12-19 10:45 | 2025-01-02 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. Doc Uploaded - Buyer-12/31/2024 <br>Open-Missing Approval/Underwriting Summary Missing lenders approval or 1008. - Due Diligence Vendor-12/19/2024 |  | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-01/02/2025<br>| Months Reserves exceed minimum required - 19>3<br>Qualifying FICO score is at least 20 points above minimum for program - 777>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3043642 |
| XXXX | 364 | XXXX D A | Closed | FCRE0043 | 2024-12-19 10:41 | 2025-01-02 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. Doc Uploaded - Seller-12/31/2024 <br>Open-The DSCR Calculation from lender is Missing. Missing DSCR figure from lender. - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. Doc Uploaded - Seller-12/31/2024<br>| Resolved-Received DSCR Calculation - Due Diligence Vendor-01/02/2025<br>| Months Reserves exceed minimum required - 19>3<br>Qualifying FICO score is at least 20 points above minimum for program - 777>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3043574 |
| XXXX | 364 | XXXX D A | Closed | FCRE8013 | 2024-12-19 10:10 | 2025-01-02 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Broker compensation page provided. Title verification provide regarding the LLC provided. - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. Doc Uploaded - Buyer-12/31/2024 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. 1. Vested owner reflecting on title and appraisal is an LLC-purchase contract notes only seller as individual. 2. Missing agents addendum for agent credit appearing on HUD. - Due Diligence Vendor-12/19/2024 |  | Resolved-Broker compensation page provided. Title verification provide regarding the LLC provided. - Due Diligence Vendor-01/02/2025 | Months Reserves exceed minimum required - 19>3<br>Qualifying FICO score is at least 20 points above minimum for program - 777>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3043070 |
| XXXX | 365 | XXXX D A | Closed | FCRE1440 | 2024-12-19 13:01 | 2025-01-10 13:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received documentation to support paid current. - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. housing history uploaded<br> - Seller-01/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing verification the subject's mortgage was paid through closing. DLA on credit is XXXX - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. housing history uploaded<br> - Seller-01/06/2025<br>| Resolved-Received documentation to support paid current. - Due Diligence Vendor-01/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 724 fico. 700 minimum.<br>Months Reserves exceed minimum required - 17 months reserves. 3 required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3045974 |
| XXXX | 365 | XXXX D A | Closed | FCRE1510 | 2024-12-19 10:23 | 2025-01-10 13:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage with legal description. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. Mortgage with Legal - Buyer-01/09/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-12/19/2024 |  | Resolved-Received Mortgage with legal description. - Due Diligence Vendor-03/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 724 fico. 700 minimum.<br>Months Reserves exceed minimum required - 17 months reserves. 3 required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3043268 |
| XXXX | 365 | XXXX D A | Closed | FCRE7347 | 2024-12-19 13:04 | 2025-01-09 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement provided. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. lease - Seller-01/08/2025 <br> Open-Missing lease agreement for the subject property. Per appraisal subject is leased for XXXX. lender used this amount for the DSCR. - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. lease - Seller-01/08/2025<br>| Resolved-Lease agreement provided. - Due Diligence Vendor-01/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 724 fico. 700 minimum.<br>Months Reserves exceed minimum required - 17 months reserves. 3 required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3046008 |
| XXXX | 365 | XXXX D A | Closed | FCOM1352 | 2024-12-19 12:57 | 2025-01-09 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Affidavit. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. Business Purpose and Occupancy affidavit uploaded<br> - Buyer-01/06/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing business Purpose - Occupancy statement in file but guides require Business Purpose and Occupancy affidavit - Due Diligence Vendor-12/19/2024 |  | Resolved-Received Affidavit. - Due Diligence Vendor-01/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 724 fico. 700 minimum.<br>Months Reserves exceed minimum required - 17 months reserves. 3 required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3045926 |
| XXXX | 365 | XXXX D A | Closed | FCRE1201 | 2024-12-19 11:27 | 2025-01-07 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. final fraud - Buyer-01/07/2025 <br>Open-Missing Third Party Fraud Report. - Due Diligence Vendor-12/19/2024 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-01/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 724 fico. 700 minimum.<br>Months Reserves exceed minimum required - 17 months reserves. 3 required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3044433 |
| XXXX | 366 | XXXX C A | Closed | FCRE1440 | 2024-12-23 13:28 | 2025-05-23 10:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review housing history Meets Guideline Requirements - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. LOX updated - signed by owner - Buyer-01/07/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter from home owner-received only from borrower. - Due Diligence Vendor-12/23/2024 |  | Resolved-Upon further review housing history Meets Guideline Requirements - Due Diligence Vendor-03/13/2025<br>| Months Reserves exceed minimum required - 17>6<br>Qualifying FICO score is at least 20 points above minimum for program - 700>680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3069877 |
| XXXX | 367 | XXXX D A C | Closed | FCRE5782 | 2024-12-24 06:58 | 2025-05-23 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report has been provided. - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-12/31/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report within 10 days of close - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-12/31/2024<br>| Resolved-Borrower 1 Gap Credit Report has been provided. - Due Diligence Vendor-01/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 772; Minimum required 660.<br>LTV is less than guideline maximum - LTV 70%; Max 80%.<br>Months Reserves exceed minimum required - 26.73 months PITIA reserves; 3 months reserves required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3074303 |
| XXXX | 367 | XXXX D A C | Closed | FCRE5783 | 2024-12-24 06:58 | 2025-05-23 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report has been provided. - Due Diligence Vendor-01/02/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-12/31/2024 <br>Open-Borrower 2 Gap Credit Report is Missing Missing gap credit report within 10 days of close - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-12/31/2024<br>| Resolved-Borrower 2 Gap Credit Report has been provided. - Due Diligence Vendor-01/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 772; Minimum required 660.<br>LTV is less than guideline maximum - LTV 70%; Max 80%.<br>Months Reserves exceed minimum required - 26.73 months PITIA reserves; 3 months reserves required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3074304 |
| XXXX | 367 | XXXX D A C | Closed | FPRO0011 | 2025-01-29 18:17 | 2025-01-29 18:18 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI provided, which confirms no damage from recent disaster. - Due Diligence Vendor-01/29/2025 <br> Open-XXXX and continuing. - Due Diligence Vendor-01/29/2025 |  | Resolved-PDI provided, which confirms no damage from recent disaster. - Due Diligence Vendor-01/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 772; Minimum required 660.<br>LTV is less than guideline maximum - LTV 70%; Max 80%.<br>Months Reserves exceed minimum required - 26.73 months PITIA reserves; 3 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3312244 |
| XXXX | 367 | XXXX D A C | Closed | FCRE1201 | 2024-12-24 06:59 | 2025-01-06 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report has been received. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. Document Uploaded. Fraud Report - Seller-01/03/2025 <br>Open-Missing Third Party Fraud Report Missing third party fraud report - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. Document Uploaded. Fraud Report - Seller-01/03/2025<br>| Resolved-Third Party Fraud Report has been received. - Due Diligence Vendor-01/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 772; Minimum required 660.<br>LTV is less than guideline maximum - LTV 70%; Max 80%.<br>Months Reserves exceed minimum required - 26.73 months PITIA reserves; 3 months reserves required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3074310 |
| XXXX | 368 | XXXX D A C | Closed | FPRO0011 | 2025-01-24 14:24 | 2025-01-24 14:25 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI provided with free and clear from damage. - Due Diligence Vendor-01/24/2025 <br> Open-XXXX and continuing – Individual Assistance - Due Diligence Vendor-01/24/2025 |  | Resolved-PDI provided with free and clear from damage. - Due Diligence Vendor-01/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 660.<br>LTV is less than guideline maximum - LTV 70%; max 85%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3279004 |
| XXXX | 368 | XXXX D A C | Closed | FCRE1316 | 2024-12-24 09:13 | 2025-01-15 17:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-The CPA letter confirms the borrower is an 80% owner and the SOS shows active - Due Diligence Vendor-01/15/2025 <br>Counter-Received Secretary of State business verification, however it does not list the borrower as an owner. Finding Remains. - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/09/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing A 3rd party verification that the business is in existence, in good standing and active is required, however not provided. LLC filing does not indicate borrower as an owner. - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/09/2025<br>| Resolved-The CPA letter confirms the borrower is an 80% owner and the SOS shows active - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 660.<br>LTV is less than guideline maximum - LTV 70%; max 85%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3075141 |
| XXXX | 368 | XXXX D A C | Closed | FCRE5809 | 2024-12-24 09:15 | 2025-01-13 13:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Received tax preparer letter. - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/09/2025 <br>Open-Ownership % of borrower not provided. (CPA Ltr) - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/09/2025<br>| Resolved-Received tax preparer letter. - Due Diligence Vendor-01/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 660.<br>LTV is less than guideline maximum - LTV 70%; max 85%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3075149 |
| XXXX | 368 | XXXX D A C | Closed | FCRE5782 | 2024-12-24 09:22 | 2024-12-27 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. Credit refresh - Buyer-12/26/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Rep - Due Diligence Vendor-12/24/2024 |  | Resolved-Received Credit Report. - Due Diligence Vendor-12/27/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 660.<br>LTV is less than guideline maximum - LTV 70%; max 85%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3075234 |
| XXXX | 369 | XXXX C A | Closed | FCRE0969 | 2024-12-26 17:13 | 2025-01-09 09:51 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Prepayment rider was corrected to show the actual end of the prepay term. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. Doc UPloaded - Buyer-12/30/2024 <br>Open-Prepayment addendum shows years 1, 2 and 3 at 1% prepay. Missing years 4 and 5. Additionally, Flat prepayment requires minimum of 2% prepay. Additional conditions may apply. - Due Diligence Vendor-12/26/2024 |  | Resolved-Prepayment rider was corrected to show the actual end of the prepay term. - Due Diligence Vendor-01/09/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 89 months.<br>DSCR % greater than 1.20 - DSCR = 1.353<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 747 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3088779 |
| XXXX | 370 | XXXX C A | Closed | FCRE1193 | 2024-12-26 13:23 | 2025-01-14 13:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received LOE regarding Primary housing. Audited DTI of 48.4% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/10/2025 <br> Ready for Review-Document Uploaded. See attached write up - Buyer-01/09/2025 <br> Counter-Update REO income, however Audited DTI of 51.1% exceeds Guideline DTI of 50%. It appears the lender used XXXX for monthly primary housing, however it is actually XXXX. 1,129 EUR, Operating cost 150 EUR and 95 EUR for Heat. - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. Seller response after their review of TPR income and REO worksheets - Buyer-01/03/2025 <br> Open-Audited DTI of 51.76% exceeds Guideline DTI of 50% DTI exceeds program max of 50% - Due Diligence Vendor-12/26/2024 |  | Resolved-Received LOE regarding Primary housing. Audited DTI of 48.4% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/10/2025<br>| Months Reserves exceed minimum required - 52 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 777 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3086183 |
| XXXX | 371 | XXXX D A | Closed | FCOM1220 | 2024-12-27 11:08 | 2025-01-07 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received DOT - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-01/06/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/27/2024 |  | Resolved-Received DOT - Due Diligence Vendor-01/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 751; Minimum required 700.<br>Months Reserves exceed minimum required - 22.71 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3092723 |
| XXXX | 371 | XXXX D A | Closed | FCRE1116 | 2024-12-27 11:08 | 2025-01-07 15:28 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Received DOT - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-01/06/2025 <br>Open-Security Instrument Date does not match the Note Date-missing security agreement - Due Diligence Vendor-12/30/2024 |  | Resolved-Received DOT - Due Diligence Vendor-01/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 751; Minimum required 700.<br>Months Reserves exceed minimum required - 22.71 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3092722 |
| XXXX | 372 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 373 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 374 | XXXX C B A | Closed | FCRE9996 | 2024-12-30 17:19 | 2025-05-23 11:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client provided a waiver for Non Warrantable Condo due to HOA transfer in 2025, applied to non material finding with comp factors - Reviewed comp factors. 64.9% LTV < 75% maximum allowed. 761 FICO > 700 minimum required. - Due Diligence Vendor-01/03/2025 <br> Ready for Review-Document Uploaded. exception approval for NWC<br> - Buyer-12/31/2024 <br> Open-Exception request for Non Warrantable Condo due to HOA transfer in 2025. - Due Diligence Vendor-12/30/2024 |  | Waived-Client provided a waiver for Non Warrantable Condo due to HOA transfer in XXXX, applied to non material finding with comp factors - Reviewed comp factors. 64.9% LTV < 75% maximum allowed. 761 FICO > 700 minimum required. - Due Diligence Vendor-01/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - 761 fico. 700 minimum.<br>Months Reserves exceed minimum required - 69 months reserves. 12 required. | HOA reserve is more than 5%<br> Experienced investor is buying 2 units within same project. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3107761 |
| XXXX | 374 | XXXX C B A | Closed | FCRE1440 | 2024-12-31 09:13 | 2025-01-03 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received current mortgage statement for the primary residence. - Due Diligence Vendor-01/03/2025 <br>Ready for Review-Document Uploaded. most recent mortgage statement to show mortgage is current - Buyer-01/02/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing evidence the primary mortgage is paid current. - Due Diligence Vendor-12/31/2024 |  | Resolved-Received current mortgage statement for the primary residence. - Due Diligence Vendor-01/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 761 fico. 700 minimum.<br>Months Reserves exceed minimum required - 69 months reserves. 12 required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3110937 |
| XXXX | 375 | XXXX D B A | Closed | FCRE1143 | 2024-12-30 18:17 | 2025-03-05 10:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder in Control of the HOA | Waived-Client provided a waiver Non Warrantable Condo due to HOA transfer in 2025, applied to non material finding with comp factors - Reviewed compensating factors - 69.3% LTV < 75% maximum allowed. 761 FICO > 700 minimum required. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Exception request and approval uploaded - Buyer-12/31/2024 <br>Open-Builder is in control of HOA - Due Diligence Vendor-12/30/2024 |  | Waived-Client provided a waiver Non Warrantable Condo due to HOA transfer in XXXX, applied to non material finding with comp factors - Reviewed compensating factors - 69.3% LTV < 75% maximum allowed. 761 FICO > 700 minimum required. - Due Diligence Vendor-03/05/2025 | Months Reserves exceed minimum required - 20 months reserves. 12 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 fico. 700 minimum. | 69.3% LTV < 75% maximum allowed. 761 FICO > 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3108267 |
| XXXX | 375 | XXXX D B A | Closed | FCRE9996 | 2024-12-30 19:04 | 2025-03-05 09:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client provided a waiver for HOA transfer in 2025, applied to non material finding with comp factors - Reviewed compensating factors - 69.93% LTV < 75% maximum allowed. 761 FICO > 700 minimum required. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. Exception request and approval uploaded - Seller-12/31/2024 <br>Open-Exception request for Non Warrantable Condo due to HOA transfer in 2025. - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. Exception request and approval uploaded - Seller-12/31/2024<br>| Waived-Client provided a waiver for HOA transfer in XXXX, applied to non material finding with comp factors - Reviewed compensating factors - 69.93% LTV < 75% maximum allowed. 761 FICO > 700 minimum required. - Due Diligence Vendor-03/05/2025 | Months Reserves exceed minimum required - 20 months reserves. 12 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 fico. 700 minimum. | 9.93% LTV < 75% maximum allowed. 761 FICO > 700 minimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3108413 |
| XXXX | 375 | XXXX D B A | Closed | FCRE1201 | 2024-12-30 18:34 | 2025-01-08 09:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-01/03/2025 <br>Ready for Review-Document Uploaded. Fraud report - Buyer-01/02/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/30/2024 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-01/03/2025<br>| Months Reserves exceed minimum required - 20 months reserves. 12 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 fico. 700 minimum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3108330 |
| XXXX | 375 | XXXX D B A | Closed | FCRE1204 | 2025-01-03 11:08 | 2025-01-08 09:52 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-01/08/2025 <br> Counter-OFAC for the Loan Processor provided, please provide cleared alerts for the remaining alerts. - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. XXXX search clear, Mers alert because borrower applied for two loans, already disclosured on application, mers alert clear - Seller-01/03/2025 <br> Open-\*New\* Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. SAM search clear, Mers alert because borrower applied for two loans, already disclosured on application, mers alert clear - Seller-01/03/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-01/08/2025<br>| Months Reserves exceed minimum required - 20 months reserves. 12 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 fico. 700 minimum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3132349 |
| XXXX | 375 | XXXX D B A | Closed | FCRE1440 | 2024-12-31 09:27 | 2025-01-03 11:04 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review Housing History Meets Guideline Requirements - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. most recent mortgage statement to show mortgage is current - Seller-01/02/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing evidence that the primary mortgage is paid current to date. Credit DLA - 9/2024 - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. most recent mortgage statement to show mortgage is current - Seller-01/02/2025<br>| Resolved-Upon further review Housing History Meets Guideline Requirements - Due Diligence Vendor-03/13/2025<br>| Months Reserves exceed minimum required - 20 months reserves. 12 required.<br>Qualifying FICO score is at least 20 points above minimum for program - 761 fico. 700 minimum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3111048 |
| XXXX | 376 | XXXX D A | Closed | FCRE0360 | 2024-12-30 17:19 | 2025-05-23 10:46 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Updated Credit Report provided. Next due 1/1/2024. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/03/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Mortgage ratings on credit report not updated through month of funding. - Due Diligence Vendor-12/30/2024 |  | Resolved-Updated Credit Report provided. Next due XXXX. - Due Diligence Vendor-01/07/2025 | Months Reserves exceed minimum required - 4.1 mos reserves; 3 mos required<br>Long term residence - 5 years at current residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 782>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3107758 |
| XXXX | 376 | XXXX D A | Closed | FCOM1352 | 2025-01-23 07:47 | 2025-03-05 09:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received the Business Purpose Affidavit Disclosure. - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. Business Affidavit - Seller-01/28/2025 <br>Open-The loan file does contain an occupancy affidavit but not contain a business purpose disclosure; loan is vested in a business entity and requires a BP Affidavit. - Due Diligence Vendor-01/23/2025 | Ready for Review-Document Uploaded. Business Affidavit - Seller-01/28/2025<br>| Resolved-Received the Business Purpose Affidavit Disclosure. - Due Diligence Vendor-01/29/2025<br>| Months Reserves exceed minimum required - 4.1 mos reserves; 3 mos required<br>Long term residence - 5 years at current residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 782>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3264649 |
| XXXX | 376 | XXXX D A | Closed | FCOM1351 | 2024-12-30 15:17 | 2025-01-31 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Agreement is signed by the borrowers as individuals - Due Diligence Vendor-01/31/2025 <br>Counter-Guaranty Agreement needs to be signed as an Individual by all parties. - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. Personal Guaranty - Buyer-01/28/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-12/30/2024 |  | Resolved-Agreement is signed by the borrowers as individuals - Due Diligence Vendor-01/31/2025<br>| Months Reserves exceed minimum required - 4.1 mos reserves; 3 mos required<br>Long term residence - 5 years at current residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 782>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3106160 |
| XXXX | 376 | XXXX D A | Closed | FCRE8702 | 2024-12-30 15:17 | 2025-01-29 12:33 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received LOE and SOS. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. See attached LOE and docs for business - Seller-01/08/2025 <br>Open-The Business Entity Formation Document is incomplete Missing Articles of Organization, EIN for vested LLC - Due Diligence Vendor-12/30/2024 | Ready for Review-Document Uploaded. See attached LOE and docs for business - Seller-01/08/2025<br>| Resolved-Received LOE and SOS. - Due Diligence Vendor-01/09/2025<br>| Months Reserves exceed minimum required - 4.1 mos reserves; 3 mos required<br>Long term residence - 5 years at current residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 782>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3106161 |
| XXXX | 376 | XXXX D A | Closed | FCRE1316 | 2024-12-30 15:58 | 2025-01-09 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. XXXX VVOE<br> - Buyer-01/07/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE for B1 within 10 days of closing. - Due Diligence Vendor-12/30/2024 |  | Resolved-Received VVOE - Due Diligence Vendor-01/09/2025<br>| Months Reserves exceed minimum required - 4.1 mos reserves; 3 mos required<br>Long term residence - 5 years at current residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 782>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3106810 |
| XXXX | 377 | XXXX D A | Closed | FCRE0043 | 2024-12-30 20:44 | 2025-01-03 12:13 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-01/03/2025 <br>Ready for Review-Document Uploaded. 1008 w DSCR calc - Buyer-01/02/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation - Due Diligence Vendor-12/31/2024 |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-01/03/2025<br>| Credit history exceeds minimum required - Excellent mortgage payment history, 13-33 months reporting on active accounts, consumer accounts have low balances vs very high limits<br>Months Reserves exceed minimum required - Reserves: 84 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3108574 |
| XXXX | 378 | XXXX C A | Closed | FPRO0011 | 2025-01-28 16:29 | 2025-01-28 16:30 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI provided indicates no damage from recent disaster. - Due Diligence Vendor-01/28/2025 <br> Open-XXXX and continuing. - Due Diligence Vendor-01/28/2025 |  | Resolved-PDI provided indicates no damage from recent disaster. - Due Diligence Vendor-01/28/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 22.60%; Max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 776; Minimum required 720.<br>LTV is less than guideline maximum - LTV 77.91%; Max 85%.<br>Months Reserves exceed minimum required - 16.86 months PITIA reserves; 3 months reserves required.<br>Long term residence - 5 years at subject current residence |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3301353 |
| XXXX | 378 | XXXX C A | Closed | FCRE1148 | 2024-12-31 03:52 | 2025-01-09 11:56 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Short Form with sufficient coverage. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. Title Policy<br> - Buyer-01/02/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title page reflecting final loan amount - Due Diligence Vendor-12/31/2024 |  | Resolved-Received Short Form with sufficient coverage. - Due Diligence Vendor-01/06/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 22.60%; Max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 776; Minimum required 720.<br>LTV is less than guideline maximum - LTV 77.91%; Max 85%.<br>Months Reserves exceed minimum required - 16.86 months PITIA reserves; 3 months reserves required.<br>Long term residence - 5 years at subject current residence |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3109594 |
| XXXX | 378 | XXXX C A | Closed | finding-47 | 2024-12-27 18:06 | 2025-01-07 12:10 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. Final CD Uploaded - Buyer-01/06/2025 <br> Counter-Rec'd corrected ROR: Transaction date of XXXX with a cancellation date of XXXX. Final CD issued XXXX has a closing date of XXXX & disbursement date of XXXX. Please provide PCCD with disbursement date after the ROR expiration date. Finding remains. - Due Diligence Vendor-01/06/2025 <br> Ready for Review-Document Uploaded. This loan funded appropriately. See attached NORTC<br> - Buyer-01/02/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ------Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-12/27/2024 |  | Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-01/07/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 22.60%; Max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 776; Minimum required 720.<br>LTV is less than guideline maximum - LTV 77.91%; Max 85%.<br>Months Reserves exceed minimum required - 16.86 months PITIA reserves; 3 months reserves required.<br>Long term residence - 5 years at subject current residence |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3097042 |
| XXXX | 378 | XXXX C A | Closed | FCRE0044 | 2024-12-31 04:23 | 2025-01-06 14:24 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOE is not required as the inquiries were from the Broker and Lender. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. Seller response - It is not customary to require the borrower to explain the inquiries that were made by the broker/lender. - Seller-01/02/2025 <br>Open-LOX for credit inquiries is missing. Missing LOX for credit inquiries - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. Seller response - It is not customary to require the borrower to explain the inquiries that were made by the broker/lender. - Seller-01/02/2025<br>| Resolved-LOE is not required as the inquiries were from the Broker and Lender. - Due Diligence Vendor-01/06/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 22.60%; Max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 776; Minimum required 720.<br>LTV is less than guideline maximum - LTV 77.91%; Max 85%.<br>Months Reserves exceed minimum required - 16.86 months PITIA reserves; 3 months reserves required.<br>Long term residence - 5 years at subject current residence |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3109637 |
| XXXX | 379 | XXXX D A | Closed | FCRE0043 | 2024-12-31 05:48 | 2025-01-07 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation was received. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. INCOME CALC Uploaded<br> - Buyer-01/06/2025 <br>Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-12/31/2024 |  | Resolved-DSCR Calculation was received. - Due Diligence Vendor-01/07/2025<br>| LTV is less than guideline maximum - LTV 60%; Max 80%.<br>Months Reserves exceed minimum required - 26.09 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 795; Minimum required 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3109779 |
| XXXX | 380 | XXXX D A | Closed | FCRE5116 | 2024-12-31 14:03 | 2025-01-07 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-After further review of the Property report, Final CD and title the reverse mortgage is not in borrower name, there is not a monthly payment on the reverse mortgage, this was paid off per the final CD provided in borrower file. Condition resolved. - Due Diligence Vendor-01/07/2025 <br>Counter-Provide terms and conditions for the Reverse Mortgage. Guides require a 12 month history. - Due Diligence Vendor-01/03/2025 <br>Ready for Review-Document Uploaded. VOM not Required for Reverse Mortgage Subject Property - Buyer-01/02/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide most recent 12 month satisfactory mortgage history for the subject property. - Due Diligence Vendor-12/31/2024 |  | Resolved-After further review of the Property report, Final CD and title the reverse mortgage is not in borrower name, there is not a monthly payment on the reverse mortgage, this was paid off per the final CD provided in borrower file. Condition resolved. - Due Diligence Vendor-01/07/2025<br>| Months Reserves exceed minimum required - 9 months reserves. 3 min.<br>Qualifying FICO score is at least 20 points above minimum for program - 722 fico 720 min. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3115352 |
| XXXX | 380 | XXXX D A | Closed | FCRE1206 | 2024-12-31 14:08 | 2025-01-03 13:09 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-After further review, client is not part of the initial transaction and not required, all other participants are listed and nothing further is needed- Condition resolved. - Due Diligence Vendor-01/03/2025 <br> Counter-All Interested Parties Not Checked with Exclusionary Lists for the Underwriter and XXXX. - Due Diligence Vendor-01/03/2025 <br> Ready for Review-Document Uploaded. Party Search - Buyer-01/02/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Document entities holding title, closing attorney/title agent, title company, originator, loan officer, appraiser and appraisal company should be included in the searches. - Due Diligence Vendor-12/31/2024 |  | Resolved-After further review, client is not part of the initial transaction and not required, all other participants are listed and nothing further is needed- Condition resolved. - Due Diligence Vendor-01/03/2025<br>| Months Reserves exceed minimum required - 9 months reserves. 3 min.<br>Qualifying FICO score is at least 20 points above minimum for program - 722 fico 720 min. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3115426 |
| XXXX | 380 | XXXX D A | Closed | FCRE0070 | 2024-12-31 14:20 | 2025-01-03 07:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Approval/Underwriting Summary has been provided. - Due Diligence Vendor-01/03/2025 <br>Ready for Review-Document Uploaded. 1008 - Buyer-01/02/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-12/31/2024 |  | Resolved-Approval/Underwriting Summary has been provided. - Due Diligence Vendor-01/03/2025<br>| Months Reserves exceed minimum required - 9 months reserves. 3 min.<br>Qualifying FICO score is at least 20 points above minimum for program - 722 fico 720 min. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3115559 |
| XXXX | 381 | XXXX D B A | Closed | FCRE5116 | 2025-01-02 10:28 | 2025-03-13 13:25 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Waived-Client provided a waiver for missing VOR, applied to non material finding with comp factors - 75% LTV < 80% maximum allowed. 749 FICO > 700 minimum required - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. Investor waiver - Buyer-01/15/2025 <br>Counter-Per the borrowers 1003 loan application, they were renting prior to the purchase of the primary residence. Finding remains. - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. Credit report shows additional mortgage history. - Buyer-01/10/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12 Months most recent housing payment history. 8 Months reporting on credit; borrowers rented prior, missing VOR to purchasing primary residence per loan application. - Due Diligence Vendor-01/02/2025 |  | Waived-Client provided a waiver for missing VOR, applied to non material finding with comp factors - 75% LTV < 80% maximum allowed. 749 FICO > 700 minimum required - Due Diligence Vendor-01/16/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX Min XXXX<br> Qualifying DTI below maximum allowed - DTI: 19.12% Max 50% <br> Months Reserves exceed minimum required - Reserves: 109 Min 3 <br> Qualifying FICO score is at least 20 points above minimum for program - FICO: 749 Min 700<br> LTV is less than guideline maximum - LTV: 75 Max 80 | 75% LTV < 80% maximum allowed. <br> 749 FICO > 700 minimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3121015 |
| XXXX | 381 | XXXX D B A | Closed | FPRO1253 | 2025-01-02 09:39 | 2025-01-14 12:41 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR with a CU score of 1. - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. CU Score is 1 - Buyer-01/10/2025 <br>Open-Additional valuation product has not been provided. Missing secondary valuation report from approved vendor with passing score/rating that meets minimum requirements. - Due Diligence Vendor-01/02/2025 |  | Resolved-Received SSR with a CU score of 1. - Due Diligence Vendor-01/14/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: $34,827.43 Min $1500<br> Qualifying DTI below maximum allowed - DTI: 19.12% Max 50% <br> Months Reserves exceed minimum required - Reserves: 109 Min 3 <br> Qualifying FICO score is at least 20 points above minimum for program - FICO: 749 Min 700<br> LTV is less than guideline maximum - LTV: 75 Max 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3120454 |
| XXXX | 382 | XXXX D A | Closed | FCRE5782 | 2025-01-02 09:57 | 2025-05-23 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. Credit Report both borrowers - Seller-01/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Not in loan file and not reflected on fraud report - Due Diligence Vendor-01/02/2025 | Ready for Review-Document Uploaded. Credit Report both borrowers - Seller-01/03/2025<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-01/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 801<br>Qualifying DTI below maximum allowed - Max 50%, actual 23.23%<br>Months Reserves exceed minimum required - Min 3, actual 39.94 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3120618 |
| XXXX | 382 | XXXX D A | Closed | FCRE5783 | 2025-01-02 09:57 | 2025-05-23 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report has been provided. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. Credit report both borrowers - Seller-01/03/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Not in loan file and not reflected on fraud report - Due Diligence Vendor-01/02/2025 | Ready for Review-Document Uploaded. Credit report both borrowers - Seller-01/03/2025<br>| Resolved-Borrower 2 Gap Credit Report has been provided. - Due Diligence Vendor-01/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 801<br>Qualifying DTI below maximum allowed - Max 50%, actual 23.23%<br>Months Reserves exceed minimum required - Min 3, actual 39.94 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3120619 |
| XXXX | 382 | XXXX D A | Closed | FCRE5790 | 2025-01-06 13:09 | 2025-05-23 10:49 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review Borrower 1 Gap Credit Report is not expired. No additional documentation required. - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/09/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/09/2025<br>| Resolved-Upon further review Borrower 1 Gap Credit Report is not expired. No additional documentation required. - Due Diligence Vendor-03/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 801<br>Qualifying DTI below maximum allowed - Max 50%, actual 23.23%<br>Months Reserves exceed minimum required - Min 3, actual 39.94 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3145972 |
| XXXX | 382 | XXXX D A | Closed | FCRE5791 | 2025-01-06 13:09 | 2025-05-23 10:49 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review Borrower 2 Gap Credit Report is not expired. No additional documentation required. - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/09/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/09/2025<br>| Resolved-Upon further review Borrower 2 Gap Credit Report is not expired. No additional documentation required. - Due Diligence Vendor-03/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 801<br>Qualifying DTI below maximum allowed - Max 50%, actual 23.23%<br>Months Reserves exceed minimum required - Min 3, actual 39.94 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3145973 |
| XXXX | 383 | XXXX D A C | Closed | FCRE1440 | 2025-01-02 12:23 | 2025-05-23 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM. Housing History Meets Guideline Requirements. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. VOM - fully completed - Seller-01/08/2025 <br> Counter-VOM has been provide. However all boxes need to be fully completed . - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. Seller response included in attached - Seller-01/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Subject payoff reflects due for XXXX payment. Update required. Additional conditions may apply. - Due Diligence Vendor-01/02/2025 | Ready for Review-Document Uploaded. VOM - fully completed - Seller-01/08/2025 <br>Ready for Review-Document Uploaded. Seller response included in attached - Seller-01/06/2025<br>| Resolved-Received VOM. Housing History Meets Guideline Requirements. - Due Diligence Vendor-01/09/2025<br>| Long term residence - 3 years at current primary residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 745>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3123072 |
| XXXX | 383 | XXXX D A C | Closed | FPRO0011 | 2025-02-04 11:48 | 2025-02-04 11:48 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI provided confirming no damage from recent disasters. - Due Diligence Vendor-02/04/2025 <br> Open-XXXX and continuing.<br>- Due Diligence Vendor-02/04/2025 |  | Resolved-PDI provided confirming no damage from recent disasters. - Due Diligence Vendor-02/04/2025<br>| Long term residence - 3 years at current primary residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 745>680 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3346377 |
| XXXX | 383 | XXXX D A C | Closed | FCRE1254 | 2025-01-02 11:11 | 2025-01-09 16:31 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Operating Agreement. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. Please see attached title condition.<br> - Buyer-01/06/2025 <br> Open-Property Title Issue Missing #3 and #4 from Schedule B. Covenant and agreements. Additional conditions may apply. - Due Diligence Vendor-01/02/2025 |  | Resolved-Received Operating Agreement. - Due Diligence Vendor-01/09/2025<br>| Long term residence - 3 years at current primary residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 745>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3121779 |
| XXXX | 383 | XXXX D A C | Closed | FCRE1155 | 2025-01-02 11:49 | 2025-01-09 16:31 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Received clarification the Subject Property on Note matches Insured Property Address. Subject is a 2 unit. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. Seller response and supporting details included in attached - Buyer-01/06/2025 <br> Open-Subject Property on Note does not match Insured Property Address Subject property on both HOI policies does not match Note/Appraisal. - Due Diligence Vendor-01/02/2025 |  | Resolved-Received clarification the Subject Property on Note matches Insured Property Address. Subject is a XXXX unit. - Due Diligence Vendor-01/09/2025 | Long term residence - 3 years at current primary residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 745>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3122477 |
| XXXX | 383 | XXXX D A C | Closed | FCRE1198 | 2025-01-02 12:32 | 2025-01-09 16:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received AKA form provided and bank statements are sufficient for qualification. Audited Reserves of 53.91 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s). - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. Seller response included in attached - Buyer-01/06/2025 <br>Open-Audited Reserves of 5.82 month(s) are less than Guideline Required Reserves of 9 month(s) Missing sufficient reserves. Received bank statement considered by lender but borrowers name does not match. Provide acceptable 9 months PITIA reserves. Additional conditions may apply. - Due Diligence Vendor-01/02/2025 |  | Resolved-Received AKA form provided and bank statements are sufficient for qualification. Audited Reserves of 53.91 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s). - Due Diligence Vendor-01/09/2025<br>| Long term residence - 3 years at current primary residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 745>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3123239 |
| XXXX | 383 | XXXX D A C | Closed | FCRE1163 | 2025-01-07 13:27 | 2025-01-09 16:25 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received Flood Cert with correct date. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. LOE regarding flood cert date - Seller-01/08/2025 <br> Open-Flood Certification Date is greater than XXXX - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. LOE regarding flood cert date - Seller-01/08/2025<br>| Resolved-Received Flood Cert with correct date. - Due Diligence Vendor-01/09/2025<br>| Long term residence - 3 years at current primary residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 745>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3156011 |
| XXXX | 383 | XXXX D A C | Closed | FCRE1162 | 2025-01-02 11:49 | 2025-01-09 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received Flood Certificate with address corrected. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. Updated flood cert attached<br> - Buyer-01/06/2025 <br>Open-Flood Certificate is Partially Provided Missing complete subject property address on certification. - Due Diligence Vendor-01/02/2025 |  | Resolved-Received Flood Certificate with address corrected. - Due Diligence Vendor-01/09/2025<br>| Long term residence - 3 years at current primary residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 745>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3122478 |
| XXXX | 383 | XXXX D A C | Closed | FCRE0082 | 2025-01-02 11:34 | 2025-01-07 13:25 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Vested Owner Signature Requirement met. - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. Seller response and supporting docs included in attached - Buyer-01/06/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing validation of vested owner and ownership of LLC XXXX. Additional conditions may apply. - Due Diligence Vendor-01/02/2025 |  | Resolved-Vested Owner Signature Requirement met. - Due Diligence Vendor-01/07/2025<br>| Long term residence - 3 years at current primary residence. <br>Qualifying FICO score is at least 20 points above minimum for program - 745>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3122212 |
| XXXX | 384 | XXXX D A | Closed | FCRE7806 | 2025-01-02 11:15 | 2025-01-09 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Borrower 1 Bank Statement Summary/Lender Worksheet. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. Full income calc ws - Buyer-01/08/2025 <br>Counter-Missing name of the business name and acct number for income used to qualify on the income worksheet. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. INCOME CALCULATION WORKSHEET - Buyer-01/03/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-01/02/2025 |  | Resolved-Received Borrower 1 Bank Statement Summary/Lender Worksheet. - Due Diligence Vendor-01/09/2025<br>| Months Reserves exceed minimum required - 145 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 57%; max 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3121816 |
| XXXX | 384 | XXXX D A | Closed | FCRE7497 | 2025-01-02 11:46 | 2025-01-09 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received ax bill provided for REO 3c. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. HAZARD INSURANCE __SUBJECT__ - Buyer-01/08/2025 <br>Counter-Tax bill provided for REO 3c. Missing copy of the HOI policy. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. TAX CERTIFICATE REO 3B - Buyer-01/03/2025 <br>Open-Verified P&I for REO 3b exceeds payment used by lender, documentation of tax and insurance not provided. <br> Verified P&I for REO 3d exceeds payment used by lender, documentation of tax and insurance not provided. <br> HOI for 3C (primary residence) not provided. - Due Diligence Vendor-01/02/2025 |  | Resolved-Received ax bill provided for REO XXXX. - Due Diligence Vendor-01/09/2025 | Months Reserves exceed minimum required - 145 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 57%; max 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3122427 |
| XXXX | 385 | XXXX D A | Closed | FCRE1157 | 2025-01-02 11:37 | 2025-01-07 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. hazard insurance dec page w, paid receipt and RCE.<br> - Buyer-01/04/2025 <br>Open-Missing Hazard Insurance Policy HOI policy in file is not subject - Due Diligence Vendor-01/02/2025 |  | Resolved-Received HOI policy - Due Diligence Vendor-01/07/2025<br>| LTV is less than guideline maximum - Max 75%, actual 72.58%<br>Months Reserves exceed minimum required - Min 3 months, actual 39.10 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 735 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3122265 |
| XXXX | 386 | XXXX D A | Closed | FCRE1152 | 2025-01-02 15:14 | 2025-01-09 13:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax verification. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. Settlement Agent's Tax Information Sheet Uploaded - Buyer-01/06/2025 <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-01/02/2025 |  | Resolved-Received tax verification. - Due Diligence Vendor-01/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 747 Qualifying FICO score is at least 20 points above minimum for program of 700<br>Months Reserves exceed minimum required - 106.23 Months Reserves exceed minimum required of 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3125700 |
| XXXX | 387 | XXXX D B A | Closed | FVAL5474 | 2025-01-03 12:08 | 2025-03-04 10:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-03/04/2025 <br> Open-PROJECT WARRANTABILITY: Lender notes indicate a denial of project due to the following: <> Questionnaire (Sole Ownership) - Unit owners must have the sole ownership interest in, and rights to the use of the projects facilities, common elements, and limited common elements. <> Questionnaire - Does not include building safety related questions. <br> EXCEPTION APPROVED: XXXX with LLPA - Due Diligence Vendor-01/03/2025 |  | Waived-Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-03/04/2025<br>| Qualifying DTI below maximum allowed - DTI: 18.62% Max 50% <br> Qualifying FICO score is at least 20 points above minimum for program - FICO: 800 Min 680<br> Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX Min $1500<br> Months Reserves exceed minimum required - Reserves: 83 Min 3 | FICO score 800<br> DTI 18.62%<br> Reserves 83 months |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Second Home | Purchase | NA | Investor Post-Close | No | 3133406 |
| XXXX | 387 | XXXX D B A | Closed | FCRE5782 | 2025-01-03 11:37 | 2025-01-07 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing required gap report / credit refresh obtained within 10 days prior to closing. - Due Diligence Vendor-01/03/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-01/07/2025<br>| Qualifying DTI below maximum allowed - DTI: 18.62% Max 50% <br> Qualifying FICO score is at least 20 points above minimum for program - FICO: 800 Min 680<br> Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX Min $1500<br> Months Reserves exceed minimum required - Reserves: 83 Min 3 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3132872 |
| XXXX | 388 | XXXX D A | Closed | FCRE1355 | 2025-01-03 11:32 | 2025-01-13 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Received Borrower 2 CPA Letter. - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. showing the CPA as a registered tax preparer - Buyer-01/10/2025 <br>Counter-Letter received does not reflect the preparer's title or license number. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. the enclosed CPA letter from our file showed the 99% ownership - Buyer-01/08/2025 <br>Counter-LARA provided, however it does not document the % of ownership. Loan qualified as 99% owner. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. please see enclosed from the State coporate website - Buyer-01/06/2025 <br>Open-Borrower 2 CPA Letter Missing Missing CPA letter or other acceptable documentation (i.e. operating agreement) confirming ownership for B2 business. Letter received does not reflect the preparer's title or license number. Online corporate printouts do not indicate ownership percentage. - Due Diligence Vendor-01/03/2025 |  | Resolved-Received Borrower 2 CPA Letter. - Due Diligence Vendor-01/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 799>700<br>Months Reserves exceed minimum required - 24>3 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3132782 |
| XXXX | 389 | XXXX C A | Closed | FCRE1148 | 2025-01-03 11:35 | 2025-01-09 13:49 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated commitment with sufficient coverage. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/07/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title coverage page reflecting final loan amount - Due Diligence Vendor-01/03/2025 |  | Resolved-Received updated commitment with sufficient coverage. - Due Diligence Vendor-01/09/2025<br>| Months Reserves exceed minimum required - 118.53 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 774; Minimum required 700.<br>LTV is less than guideline maximum - LTV 62.65%; Max 75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3132815 |
| XXXX | 390 | XXXX D B A | Closed | FCRE9814 | 2025-01-06 10:34 | 2025-01-10 08:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received Articles of Organization for the seller. - Due Diligence Vendor-01/10/2025 <br>Counter-Upon further review, the property is not vested in a trust. Subject is vested in an LLC. Please provide the LLC documents to ensure the borrower has not interest in the LLC. - Due Diligence Vendor-01/09/2025 <br>Open-Title is held in a trust> trust documents not provided. - Due Diligence Vendor-01/06/2025 |  | Resolved-Received Articles of Organization for the seller. - Due Diligence Vendor-01/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 705; minimum required 680<br>Months Reserves exceed minimum required - 8 months PITIA reserves; 3 months reserves required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3143299 |
| XXXX | 390 | XXXX D B A | Closed | FCOM5135 | 2024-12-31 15:10 | 2025-01-02 11:48 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 705; minimum required 680<br>Months Reserves exceed minimum required - 8 months PITIA reserves; 3 months reserves required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 3116024 |
| XXXX | 390 | XXXX D B A | Closed | FCOM1301 | 2024-12-31 15:10 | 2025-01-02 11:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 705; minimum required 680<br>Months Reserves exceed minimum required - 8 months PITIA reserves; 3 months reserves required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 3116023 |
| XXXX | 391 | XXXX C A | Closed | FCRE1440 | 2025-01-03 11:49 | 2025-01-13 13:39 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplement Report. Housing History Meets Guideline Requirements. - Due Diligence Vendor-01/13/2025 <br> Ready for Review-Document Uploaded. Supplement report - Buyer-01/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Payment history for XXXX Acct XXXX and XXXX acct XXXX paid as agreed for XXXX and XXXX not provided. - Due Diligence Vendor-01/03/2025 |  | Resolved-Received Credit Supplement Report. Housing History Meets Guideline Requirements. - Due Diligence Vendor-01/13/2025<br>| LTV is less than guideline maximum - LTV 60%; max 75%.<br>Months Reserves exceed minimum required - 108 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3133010 |
| XXXX | 392 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 393 | XXXX C A | Closed | FCRE7011 | 2025-01-03 15:21 | 2025-01-08 13:19 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Upon further review, nothing further required. Rent Loss Coverage is not required on a primary residence. - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. rent loss coverage N/A on a primary residence - Buyer-01/07/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. Missing evidence of no less than 6 months Loss of Use coverage as required by XXXX Guidelines. Qualifying PITIA XXXX for 6 months is XXXX - Due Diligence Vendor-01/03/2025 |  | Resolved-Upon further review, nothing further required. Rent Loss Coverage is not required on a primary residence. - Due Diligence Vendor-01/08/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: $3,220,632.04 Min $1500<br> Months Reserves exceed minimum required - Reserves: 56 Min 9<br> Qualifying DTI below maximum allowed - DTI: 1.49% Max 50% <br> Qualifying FICO score is at least 20 points above minimum for program - FICO: 737 Min 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3136402 |
| XXXX | 393 | XXXX C A | Closed | FCRE1254 | 2025-01-03 14:57 | 2025-01-08 13:12 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved. LOE has been received reflecting that only the co-borrower will be vested on Title and the Mortgage. - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. LOE explaining why borrower is not on title. Per guidelines, one borrower may be on title when we have this LOE. The same reason is why XXXX did not execute the mortgage document - Buyer-01/07/2025 <br> Open-Property Title Issue Missing satisfactory letter of explanation as to why primary borrower is not on mortgage and title. Explanation required per XXXX guidelines. - Due Diligence Vendor-01/03/2025 |  | Resolved-Property Title Issue Resolved. LOE has been received reflecting that only the co-borrower will be vested on Title and the Mortgage. - Due Diligence Vendor-01/08/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: $3,220,632.04 Min $1500<br> Months Reserves exceed minimum required - Reserves: 56 Min 9<br> Qualifying DTI below maximum allowed - DTI: 1.49% Max 50% <br> Qualifying FICO score is at least 20 points above minimum for program - FICO: 737 Min 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3136109 |
| XXXX | 393 | XXXX C A | Closed | FCRE1510 | 2024-12-31 12:39 | 2025-01-08 13:06 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-LOE has been received reflecting that only the co-borrower will be vested on Title and the Mortgage. - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. Please note that this LOE is also for the condition regarding borrower 1 name not being on the mortgage document - Buyer-01/07/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Borrower 1 did not sign Deed of Trust. No signature line for primary borrower. - Due Diligence Vendor-12/31/2024 |  | Resolved-LOE has been received reflecting that only the co-borrower will be vested on Title and the Mortgage. - Due Diligence Vendor-01/08/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX Min XXXX<br> Months Reserves exceed minimum required - Reserves: 56 Min 9<br> Qualifying DTI below maximum allowed - DTI: 1.49% Max 50% <br> Qualifying FICO score is at least 20 points above minimum for program - FICO: 737 Min 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3114315 |
| XXXX | 394 | XXXX A | Closed | FCOM5135 | 2025-01-02 07:58 | 2025-01-29 16:17 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received blanket statement of no affiliates - Due Diligence Vendor-01/29/2025 |  | Resolved-Received blanket statement of no affiliates - Due Diligence Vendor-01/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 781<br>LTV is less than guideline maximum - Max LTV 85% / Subject LTV 61.54 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3119749 |
| XXXX | 395 | XXXX D A C | Closed | FCRE8525 | 2025-01-03 13:49 | 2025-01-08 14:05 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Received 2nd Full appraisal supporting the sales price. - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/06/2025 |  | Resolved-Received 2nd Full appraisal supporting the sales price. - Due Diligence Vendor-01/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 758; minimum required 680<br>Qualifying DTI below maximum allowed - Qualifying DTI 33.53%; max permitted 50%.<br>Months Reserves exceed minimum required - 31 months PITIA reserves; 9 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3135045 |
| XXXX | 395 | XXXX D A C | Closed | FCRE7806 | 2025-01-03 14:02 | 2025-01-08 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received worksheet - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/06/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing bank statement income worksheet from the lender. - Due Diligence Vendor-01/06/2025 |  | Resolved-Received worksheet - Due Diligence Vendor-01/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 758; minimum required 680<br>Qualifying DTI below maximum allowed - Qualifying DTI 33.53%; max permitted 50%.<br>Months Reserves exceed minimum required - 31 months PITIA reserves; 9 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3135257 |
| XXXX | 396 | XXXX D A | Closed | FCRE1440 | 2025-01-03 15:13 | 2025-05-23 10:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Pay history received for the primary. - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. Seller response - reporting on credit - Buyer-01/07/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOM for primary residence reflecting 0x30 in past 12 months. - Due Diligence Vendor-01/03/2025 |  | Resolved-Pay history received for the primary. - Due Diligence Vendor-01/08/2025<br>| Months Reserves exceed minimum required - 147>0<br>Qualifying FICO score is at least 20 points above minimum for program - 712>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3136312 |
| XXXX | 396 | XXXX D A | Closed | FCRE7497 | 2025-01-03 15:25 | 2025-01-10 15:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence Vendor-01/10/2025 <br> Ready for Review-Document Uploaded. Please see attached ist page of the appraisal for XXXX and property profile from XXXX for XXXX - evidencing there are no HOAs for these properties. - Buyer-01/09/2025 <br> Counter-Documentation provided for the PITI for REO's. Please provide HOA documentation for REO properties. - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. PITI documents - Buyer-01/08/2025 <br> Open-Missing PITIA validation for properties: XXXX and XXXX. Additional conditions may apply. - Due Diligence Vendor-01/03/2025 |  | Resolved-Received HOA verification. - Due Diligence Vendor-01/10/2025<br>| Months Reserves exceed minimum required - 147>0<br>Qualifying FICO score is at least 20 points above minimum for program - 712>680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3136451 |
| XXXX | 397 | XXXX C B A | Closed | FCRE0113 | 2025-05-23 10:51 | 2025-05-23 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Title required review of Survey. No exceptions to coverage provided. - Due Diligence Vendor-05/23/2025 <br>Open-Plat map not recorded - Due Diligence Vendor-05/23/2025 |  | Resolved-Title required review of Survey. No exceptions to coverage provided. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 729 Qualifying FICO score is at least 20 points above minimum for program of 700.<br>Months Reserves exceed minimum required - 78.56 Months Reserves exceed minimum required of 3 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4227906 |
| XXXX | 397 | XXXX C B A | Closed | FPRO1251 | 2025-01-06 15:27 | 2025-02-11 17:45 | Waived | 2 - Non-Material C B | Property | Property Issue | Property Zoning Does Not Meet Program Requirements | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-02/11/2025 <br> Counter-Per the Appraiser - Structures that are nonconforming cannot be reconstructed to their original specifications unless they meet all "current" requirements as of the intended construction date. <br> - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. Page 15 has the verbiage - Buyer-02/05/2025 <br> Open-Appraisal indicates subject zoning as XXXX,General Commercial - Legal Non Conforming grandfathered in. No indication subject can be rebuilt if destroyed. If substantially damaged (repair costs =50% of replacement value), reconstruction must comply with current codes. - Due Diligence Vendor-01/06/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 729 Qualifying FICO score is at least 20 points above minimum for program of 700.<br>Months Reserves exceed minimum required - 78.56 Months Reserves exceed minimum required of 3 months | 78.56 Months Reserves exceed minimum required of 3 months<br> 729 Qualifying FICO score is at least 20 points above minimum for program of 700 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3148181 |
| XXXX | 397 | XXXX C B A | Closed | FCRE1509 | 2025-01-16 10:15 | 2025-01-16 10:16 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Client provided full note- condition resolved. - Due Diligence Vendor-01/16/2025 <br>Open-The Note is Incomplete -----The Note is missing the second page. - Due Diligence Vendor-01/16/2025 |  | Resolved-Client provided full note- condition resolved. - Due Diligence Vendor-01/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 729 Qualifying FICO score is at least 20 points above minimum for program of 700.<br>Months Reserves exceed minimum required - 78.56 Months Reserves exceed minimum required of 3 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3219166 |
| XXXX | 398 | XXXX C B A | Closed | FPRO1251 | 2025-01-06 14:29 | 2025-02-11 17:50 | Waived | 2 - Non-Material C B | Property | Property Issue | Property Zoning Does Not Meet Program Requirements | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-02/11/2025 <br> Counter-It appears the subject cannot be rebuilt if destroyed unless they meet all "current" requirements as of the intended construction date.<br> - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. Page 28 has the verbiage - Buyer-02/05/2025 <br> Open-Appraisal indicates subject zoning as XXXX,General Commercial- Legal Non Conforming grandfathered in. No indication subject can be rebuilt if destroyed. - Due Diligence Vendor-01/06/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-02/11/2025<br>| Months Reserves exceed minimum required - 132.54 months reserves exceed minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - 729 Qualifying FICO score is at least 20 points above minimum for program of 700 | 132.54 Months Reserves exceed minimum required of 3 months<br> 729 Qualifying FICO score is at least 20 points above minimum for program of 700 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3147237 |
| XXXX | 399 | XXXX C A | Closed | FCRE0970 | 2025-01-06 14:03 | 2025-01-13 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-1007 not required, rental income is not being used to qualify. - Due Diligence Vendor-01/13/2025 <br> Counter-Received SSR's, however we are missing the 1007 (Market Rents) - Due Diligence Vendor-01/10/2025 <br> Ready for Review-Document Uploaded. SSR - Buyer-01/09/2025 <br> Open-Missing Market Rent Analysis/XXXX Form 1007. - Due Diligence Vendor-01/06/2025 |  | Resolved-1007 not required, rental income is not being used to qualify. - Due Diligence Vendor-01/13/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX Min XXXX<br> Qualifying DTI below maximum allowed - 42.76% DTI; 50% max<br> Months Reserves exceed minimum required - Reserves: 73 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3146827 |
| XXXX | 400 | XXXX C B A | Closed | finding-3634 | 2025-01-13 09:16 | 2025-01-15 08:16 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC dated XXXX for increase in discount points. - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. Changed Circumstances Record - Buyer-01/14/2025 <br> Open-NEW - This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).<br> Zero (0%) tolerance fees increased by XXXX (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-01/13/2025 |  | Resolved-Received COC dated XXXX for increase in discount points. - Due Diligence Vendor-01/15/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 22%; max permitted 50%.<br>Months Reserves exceed minimum required - 7 months PITIA reserves; 3 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3190661 |
| XXXX | 400 | XXXX C B A | Closed | FCRE0044 | 2025-01-06 09:24 | 2025-01-13 14:32 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received documentation to support the inquiries were for the subject loan. - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. PFN Underwriter LOE Credit Inquiries - Buyer-01/10/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-01/06/2025 |  | Resolved-Received documentation to support the inquiries were for the subject loan. - Due Diligence Vendor-01/13/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 22%; max permitted 50%.<br>Months Reserves exceed minimum required - 7 months PITIA reserves; 3 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3142547 |
| XXXX | 400 | XXXX C B A | Closed | FCOM3605 | 2025-01-03 07:27 | 2025-01-13 09:26 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD XXXX. - Due Diligence Vendor-01/13/2025 <br> Ready for Review-Document Uploaded. Closing Disclosure (Initial) - Buyer-01/10/2025 <br> Open-Missing initial CD and acknowledgement by borrower(s) a minimum 3 days prior to consummation date. Please provide. Additional findings may apply upon receipt. - Due Diligence Vendor-01/03/2025 |  | Resolved-Received CD XXXX. - Due Diligence Vendor-01/13/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 22%; max permitted 50%.<br>Months Reserves exceed minimum required - 7 months PITIA reserves; 3 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3129920 |
| XXXX | 400 | XXXX C B A | Closed | FCOM5135 | 2025-01-02 15:30 | 2025-01-03 07:20 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-01/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-01/03/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 22%; max permitted 50%.<br>Months Reserves exceed minimum required - 7 months PITIA reserves; 3 months reserves required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 3125885 |
| XXXX | 401 | XXXX D A C | Closed | FPRO0011 | 2025-02-12 12:16 | 2025-03-13 15:38 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI provided confirming no damage from recent disasters. - Due Diligence Vendor-03/13/2025 <br> Open-XXXX and continuing. - Due Diligence Vendor-03/13/2025 |  | Resolved-PDI provided confirming no damage from recent disasters. - Due Diligence Vendor-03/13/2025<br>| Months Reserves exceed minimum required - Min 9 months, actual 17.33 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 722<br>Qualifying DTI below maximum allowed - Max 50%, actual 38.08% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3408204 |
| XXXX | 401 | XXXX D A C | Closed | FCRE1324 | 2025-01-06 12:35 | 2025-01-20 13:36 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received signed tax returns. - Due Diligence Vendor-01/20/2025 <br> Ready for Review-Document Uploaded. Forms 1040 & 1120S Signed 2023 Income Tax Returns - Buyer-01/17/2025 <br> Open-Borrower 1 Tax Returns Not Signed Not signed - Due Diligence Vendor-01/06/2025 |  | Resolved-Received signed tax returns. - Due Diligence Vendor-01/20/2025<br>| Months Reserves exceed minimum required - Min 9 months, actual 17.33 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 722<br>Qualifying DTI below maximum allowed - Max 50%, actual 38.08% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3145395 |
| XXXX | 401 | XXXX D A C | Closed | FCRE1158 | 2025-01-06 15:53 | 2025-01-20 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received LOE. No further action required. - Due Diligence Vendor-01/20/2025 <br>Ready for Review-Document Uploaded. Insurance Agent LOE EOI Premium - Buyer-01/17/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Premium on Dec page does not match the premium collected at closing. - Due Diligence Vendor-01/06/2025 |  | Resolved-Received LOE. No further action required. - Due Diligence Vendor-01/20/2025<br>| Months Reserves exceed minimum required - Min 9 months, actual 17.33 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 722<br>Qualifying DTI below maximum allowed - Max 50%, actual 38.08% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3148560 |
| XXXX | 402 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 403 | XXXX C A | Closed | finding-3634 | 2025-01-03 11:07 | 2025-01-17 16:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no further documentation is needed or required. COC found in file for increase. - Due Diligence Vendor-01/17/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX Recording Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX<br> - Due Diligence Vendor-01/03/2025 |  | Resolved-Upon further review, no further documentation is needed or required. COC found in file for increase. - Due Diligence Vendor-01/17/2025<br>| Months Reserves exceed minimum required - Reserves: 13.73 <br> Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3132335 |
| XXXX | 403 | XXXX C A | Closed | FCRE1148 | 2025-01-07 08:26 | 2025-01-16 13:16 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised Title Commitment and Title Coverage Amount of XXXX is sufficient. - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. Title Commitment Rev - Buyer-01/15/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title reflect s XXXX - Due Diligence Vendor-01/07/2025 |  | Resolved-Received revised Title Commitment and Title Coverage Amount of XXXX is sufficient. - Due Diligence Vendor-01/16/2025 | Months Reserves exceed minimum required - Reserves: 13.73 <br> Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3152046 |
| XXXX | 404 | XXXX D B A | Closed | FCRE8712 | 2025-01-16 16:20 | 2025-01-17 09:08 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Verification of Rent | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-01/17/2025 <br> Open-Using the XXXX rent per lease, however missing the 3 months proof of receipt. - Due Diligence Vendor-01/16/2025 |  | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-01/17/2025<br>| Months Reserves exceed minimum required - 81 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 749; minimum required 720. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 3225519 |
| XXXX | 404 | XXXX D B A | Closed | FCRE0043 | 2025-01-07 07:21 | 2025-01-14 12:10 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Worksheet. - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. DSCR Worksheet - Buyer-01/10/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing lender DSCR figure. - Due Diligence Vendor-01/07/2025 |  | Resolved-Received DSCR Worksheet. - Due Diligence Vendor-01/14/2025<br>| Months Reserves exceed minimum required - 81 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 749; minimum required 720. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3151646 |
| XXXX | 405 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 406 | XXXX C B A | Closed | FCRE8611 | 2025-01-07 14:04 | 2025-01-23 15:09 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received XXXX statement. recalculated income and excluded the XXXX deposit. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. Please see November Business Statement to go along with the income documentation items to clear the deposit condition, both items should clear this last condition. / Please see income worksheet, 1008 and 1003 to help clear condition<br>- Buyer-01/21/2025 <br> Counter-Client comment - Based on this information, the underwriter deemed the deposit to be business-related income. - AUDIT RESPONSE- Deposit appears to be from another business the borrower may own XXXX XXXX-if omitted ratios exceed 50.00%. - Due Diligence Vendor-01/13/2025 <br> Ready for Review-Document Uploaded. LOX REGARDING DEPOSIT CONDITION<br> - Buyer-01/09/2025 <br> Open-Missing acceptable confirmation deposit made XXXX is business income and may included in income calculation consideration. Additional conditions may apply - Due Diligence Vendor-01/07/2025 |  | Resolved-Received Nov 2024 statement. recalculated income and excluded the XXXX deposit. - Due Diligence Vendor-01/23/2025 | Months Reserves exceed minimum required - 7>3<br>Qualifying FICO score is at least 20 points above minimum for program - 744>680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3156548 |
| XXXX | 406 | XXXX C B A | Closed | FCOM1124 | 2025-01-04 12:39 | 2025-01-20 09:36 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX -----Client waiver applied to non-material finding. - Due Diligence Vendor-01/04/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX -----Client waiver applied to non-material finding. - Due Diligence Vendor-01/04/2025 | Months Reserves exceed minimum required - 7>3<br>Qualifying FICO score is at least 20 points above minimum for program - 744>680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3139293 |
| XXXX | 406 | XXXX C B A | Closed | FCOM5135 | 2025-01-04 12:48 | 2025-01-09 08:57 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Client provided affiliated business disclosure- condition resolved. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. Affiliated Business Arrangement Disclosure - Buyer-01/08/2025 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Required Affiliated Business Disclosure. - Due Diligence Vendor-01/06/2025 |  | Resolved-Client provided affiliated business disclosure- condition resolved. - Due Diligence Vendor-01/09/2025<br>| Months Reserves exceed minimum required - 7>3<br>Qualifying FICO score is at least 20 points above minimum for program - 744>680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3139298 |
| XXXX | 407 | XXXX D A | Closed | FCOM1351 | 2025-01-14 07:54 | 2025-01-17 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-01/17/2025 <br>Ready for Review-Document Uploaded. Guaranty - Buyer-01/14/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-01/14/2025 |  | Resolved-Received Guaranty Agreement - Due Diligence Vendor-01/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 753; Minimum required 700.<br>Months Reserves exceed minimum required - 10.64 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3199856 |
| XXXX | 407 | XXXX D A | Closed | FCRE7009 | 2025-01-07 15:52 | 2025-01-09 16:39 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. HOI letter indicates full replacement cost of home is covered. - Buyer-01/08/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-01/07/2025 |  | Resolved-Received RCE. - Due Diligence Vendor-01/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 753; Minimum required 700.<br>Months Reserves exceed minimum required - 10.64 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3157891 |
| XXXX | 408 | XXXX C B A | Closed | finding-3734 | 2025-01-06 13:16 | 2025-02-10 15:36 | Cured | 2 - Non-Material C B | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Cured-Received XXXX with principal reduction of XXXX, tracking label, and new right to cancel for full three days of rescission. - Due Diligence Vendor-02/05/2025 <br> Counter-Client provided their XXXX report. After review, the discrepancy stems from the rounding method on the note. The note states the index is rounded to the nearest XXXX however, the values on the Mavent are consistent with no rounding of the index. - Due Diligence Vendor-01/27/2025 <br> Counter-Uploaded the Comp report to deal bulletin board. Please note, variance may be due to index used. Please provide the index used and we can re-test. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Can we please get clarification where these #'s are being pulled from? Unable to locate a XXXX in total payments in any of the CD's from the file provided. - Seller-01/09/2025 <br> Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is XXXX. The disclosed total of payments charge of XXXX is not considered accurate for purposes of rescission because it is understated by more than XXXX. ...Total of payments is understated by XXXX which exceeds threshold of XXXX. Provide evidence of refund or principal reduction for XXXX, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. <br> - Due Diligence Vendor-01/06/2025 | Ready for Review-Can we please get clarification where these #'s are being pulled from? Unable to locate a XXXX in total payments in any of the CD's from the file provided. - Seller-01/09/2025 | Cured-Received PCCD XXXX with principal reduction of XXXX, tracking label, and new right to cancel for full three days of rescission. - Due Diligence Vendor-02/05/2025 | Qualifying DTI below maximum allowed - DTI max 50%- Borrower's DTI is 44%<br>Months Reserves exceed minimum required - 6 mths reserves required- Borrower has 13.4 mths- 6 mths req'd= 7.4 mths remaining. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3146072 |
| XXXX | 408 | XXXX C B A | Closed | finding-2504 | 2025-01-06 13:16 | 2025-02-05 09:36 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured-Received PCCD XXXX with principal reduction of XXXX, tracking label, and new right to cancel for full three days of rescission. - Due Diligence Vendor-02/05/2025 <br> Counter-Client provided their XXXX report. After review, the discrepancy stems from the rounding method on the note. The note states the index is rounded to the nearest XXXX however, the values on the Mavent are consistent with no rounding of the index. - Due Diligence Vendor-01/27/2025 <br> Counter-Uploaded the Comp report to deal bulletin board. Please note, variance may be due to index used. Please provide the index used and we can re-test. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Can we please get clarification where these #'s are being pulled from? Unable to locate a XXXX in Finance Charges in any of the CD's from the file provided. - Seller-01/09/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate for purposes of rescission because it is understated by more than XXXX. ...Finance charge is understated by XXXX which exceeds threshold of XXXX. Provide evidence of refund or principal reduction for XXXX or, at a minimum, to the XXXX threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. <br> - Due Diligence Vendor-01/06/2025 | Ready for Review-Can we please get clarification where these #'s are being pulled from? Unable to locate a XXXX in Finance Charges in any of the CD's from the file provided. - Seller-01/09/2025 | Cured-Received PCCD XXXX with principal reduction of XXXX, tracking label, and new right to cancel for full three days of rescission. - Due Diligence Vendor-02/05/2025 | Qualifying DTI below maximum allowed - DTI max 50%- Borrower's DTI is 44%<br>Months Reserves exceed minimum required - 6 mths reserves required- Borrower has 13.4 mths- 6 mths req'd= 7.4 mths remaining. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3146071 |
| XXXX | 408 | XXXX C B A | Closed | finding-651 | 2025-01-06 13:16 | 2025-02-05 09:35 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Received PCCD XXXX with principal reduction of XXXX, tracking label, and new right to cancel for full three days of rescission. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Counter-Received LOE to borrower, tracking label, and new right to cancel. The tracking label shows the borrower will receive the documents on XXXX but the new right to cancel doc show the cancel of date is XXXX. This is not three days to rescind, Sunday does not count. Proof of principal reduction to account was not provided. Finding remains. - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. - Seller-01/30/2025 <br> Counter-Received PCCD XXXX disclosing principal reduction of XXXX. Please provide evidence of the principal reduction, LOE to borrower, proof of delivery and since loan is rescindable, re-open rescission and provide borrower(s) with new notice of right to cancel and new 3-day rescission period. - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. - Seller-01/30/2025 <br> Counter-Client provided their XXXX report. After review, the discrepancy stems from the rounding method on the note. The note states the index is rounded to the nearest XXXX however, the values on the Mavent are consistent with no rounding of the index. - Due Diligence Vendor-01/27/2025 <br> Counter-Uploaded the Comp report to deal bulletin board. Please note, variance may be due to index used. Please provide the index used and we can re-test. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Can we please get clarification where these #'s are being pulled from? Unable to locate a XXXX in Finance Charges in any of the CD's from the file provided. - Seller-01/09/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than XXXX. ----- This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than XXXX at XXXX. Provide evidence of refund or principal reduction of XXXX, or at a minimum to the XXXX threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided.<br> - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Ready for Review-Document Uploaded. - Seller-01/30/2025 <br> Ready for Review-Document Uploaded. - Seller-01/30/2025 <br> Ready for Review-Can we please get clarification where these #'s are being pulled from? Unable to locate a XXXX in Finance Charges in any of the CD's from the file provided. - Seller-01/09/2025 | Cured-Received PCCD XXXX with principal reduction of XXXX, tracking label, and new right to cancel for full three days of rescission. - Due Diligence Vendor-02/05/2025 | Qualifying DTI below maximum allowed - DTI max 50%- Borrower's DTI is 44%<br>Months Reserves exceed minimum required - 6 mths reserves required- Borrower has 13.4 mths- 6 mths req'd= 7.4 mths remaining. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3146069 |
| XXXX | 409 | XXXX D A | Closed | FCRE1254 | 2025-01-07 14:13 | 2025-01-22 14:37 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Operating Agreement. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Property Title Issue Provide documentation to support seller's representative is an authorized signor AND provide selling LLC members to ensure the borrower has no ownership interest in the entity. Insufficient documentation in loan file to determine if subject is arm's length. - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-01/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2179.18 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3156659 |
| XXXX | 409 | XXXX D A | Closed | FCRE1201 | 2025-01-07 14:38 | 2025-01-22 14:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Missing Third Party Fraud Report Fraud Report missing from loan file. - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2179.18 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3156919 |
| XXXX | 410 | XXXX D A | Closed | FCRE1201 | 2025-01-08 05:37 | 2025-01-22 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud report. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Missing Third Party Fraud Report Fraud Report missing from loan file. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Fraud report. - Due Diligence Vendor-01/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2411.37 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3160596 |
| XXXX | 410 | XXXX D A | Closed | FCRE1254 | 2025-01-08 05:26 | 2025-01-22 14:48 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received operating agreement - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Property Title Issue Provide documentation to support seller's representative is an authorized signor AND provide selling LLC members to ensure the borrower has no ownership interest in the entity. Insufficient documentation in loan file to determine if subject is arm's length. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received operating agreement - Due Diligence Vendor-01/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2411.37 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3160566 |
| XXXX | 411 | XXXX D A | Closed | FPRO1253 | 2025-01-08 06:28 | 2025-02-11 14:12 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR's with a CU score of 1 and an LCA score of 1. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. - Seller-02/07/2025 <br>Open-Additional valuation product has not been provided. Secondary Valuation is missing from file. Lender to provide secondary valuation to support appraisal value. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-02/07/2025<br>| Resolved-Received SSR's with a CU score of 1 and an LCA score of 1. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2672.65 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3160749 |
| XXXX | 411 | XXXX D A | Closed | FCRE1254 | 2025-01-08 06:23 | 2025-01-22 14:57 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Operating Agreement. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Property Title Issue Provide documentation to support seller's representative is an authorized signor AND provide selling LLC members to ensure the borrower has no ownership interest in the entity. Insufficient documentation in loan file to determine if subject is arm's length. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-01/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2672.65 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3160723 |
| XXXX | 411 | XXXX D A | Closed | FCRE1201 | 2025-01-08 06:52 | 2025-01-22 14:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Missing Third Party Fraud Report Fraud Report missing from loan file. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-01/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2672.65 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3160824 |
| XXXX | 412 | XXXX D A | Closed | FCRE8701 | 2025-01-08 07:42 | 2025-01-22 15:04 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Formation Documentation - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-The Business Entity Formation Document is Missing Loan vested in LLC missing all required docs. Entity articles of organization or partnership (or equivalent), Evidence of good standing, Entity documents authorizing the guarantor to execute loan documents on behalf of the entity (e.g., Operating Agreement, Certificate of Authorization), Entity documents that include a list of members/managers and ownership percentage (e.g., organization structure). - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Business Entity Formation Documentation - Due Diligence Vendor-01/22/2025<br>| Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2342.04 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3161076 |
| XXXX | 412 | XXXX D A | Closed | FCRE1254 | 2025-01-08 07:45 | 2025-01-22 15:00 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Property Title Issue Provide documentation to support seller's representative is an authorized signor AND provide selling LLC members to ensure the borrower has no ownership interest in the entity. Insufficient documentation in loan file to determine if subject is arm's length. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-01/22/2025<br>| Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2342.04 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3161091 |
| XXXX | 412 | XXXX D A | Closed | FCRE1201 | 2025-01-08 08:22 | 2025-01-22 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Missing Third Party Fraud Report Fraud Report missing from loan file. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-01/22/2025<br>| Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2342.04 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3161322 |
| XXXX | 413 | XXXX D A | Closed | FCRE1254 | 2025-01-08 09:26 | 2025-01-22 15:08 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Operating Agreement. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Property Title Issue Provide documentation to support seller's representative is an authorized signor AND provide selling LLC members to ensure the borrower has no ownership interest in the entity. Insufficient documentation in loan file to determine if subject is arm's length. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-01/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves 2238.58 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3161860 |
| XXXX | 413 | XXXX D A | Closed | FCRE1201 | 2025-01-08 09:41 | 2025-01-22 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Missing Third Party Fraud Report Missing Fraud Report from loan file. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-01/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves 2238.58 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3162039 |
| XXXX | 414 | XXXX D A | Closed | FCRE1254 | 2025-01-08 10:23 | 2025-01-22 15:11 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Operating Agreement. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Property Title Issue Provide documentation to support seller's representative is an authorized signor AND provide selling LLC members to ensure the borrower has no ownership interest in the entity. Insufficient documentation in loan file to determine if subject is arm's length. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-01/22/2025<br>| Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2252.90 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3162529 |
| XXXX | 414 | XXXX D A | Closed | FCRE1201 | 2025-01-08 10:30 | 2025-01-22 15:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Missing Third Party Fraud Report Fraud Report missing from loan file. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-01/22/2025<br>| Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2252.90 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3162625 |
| XXXX | 415 | XXXX C B A | Closed | FCRE0095 | 2025-01-08 14:16 | 2025-03-13 15:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/13/2025 <br>Open-Lender Exception for use of short-term rental income from 1007 with no lookback. - Due Diligence Vendor-01/08/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/13/2025<br>| Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 489.62 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723. | Credit Score: 723<br> Reserves: 33 above minimum<br> Credit History: 0 x 30 past 36 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3165981 |
| XXXX | 415 | XXXX C B A | Closed | FCRE7009 | 2025-01-08 11:41 | 2025-02-11 13:59 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. - Seller-02/07/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Missing RCE or equivariant to confirm HOI coverage of XXXX is adequate coverage. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-02/07/2025<br>| Resolved-Received RCE. - Due Diligence Vendor-02/11/2025<br>| Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 489.62 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3163737 |
| XXXX | 416 | XXXX D A | Closed | FCRE1254 | 2025-01-09 05:18 | 2025-01-22 15:13 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Operating Agreement. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Property Title Issue Provide documentation to support seller's representative is an authorized signor AND provide selling LLC members to ensure the borrower has no ownership interest in the entity. Insufficient documentation in loan file to determine if subject is arm's length. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-01/22/2025<br>| Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2445.69 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3169701 |
| XXXX | 416 | XXXX D A | Closed | FCRE1201 | 2025-01-09 05:39 | 2025-01-22 15:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Missing Third Party Fraud Report Fraud Report missing from loan file. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-01/22/2025<br>| Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2445.69 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3169764 |
| XXXX | 417 | XXXX D A | Closed | FCRE1254 | 2025-01-09 06:21 | 2025-01-22 15:16 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Operating Agreement - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Property Title Issue Provide documentation to support seller's representative is an authorized signor AND provide selling LLC members to ensure the borrower has no ownership interest in the entity. Insufficient documentation in loan file to determine if subject is arm's length. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Operating Agreement - Due Diligence Vendor-01/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2720.54 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3169842 |
| XXXX | 417 | XXXX D A | Closed | FCRE1201 | 2025-01-09 06:46 | 2025-01-22 15:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Operating Agreement. - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Seller-01/21/2025 <br>Open-Missing Third Party Fraud Report Fraud Report is missing from loan file. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/21/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-01/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2720.54 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3169912 |
| XXXX | 418 | XXXX D B A | Closed | FCRE3599 | 2025-01-10 12:01 | 2025-03-13 15:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted for exposure, waiver applied with reviewed compactors - 65% LTV < 75% maximum allowed. 723 FICO > 700 minimum required. 2,203.6 months reserves > 6 months minimum required - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. - Seller-02/11/2025 <br>Counter-Received exception request. Pending receipt of the approval. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. - Seller-02/07/2025 <br>Open-Per guidelines exposure may not exceed $7.5 million or 10 loans aggregate to any one borrower. B1 has 12 financed properties with the lender. - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. - Seller-02/11/2025 <br>Ready for Review-Document Uploaded. - Seller-02/07/2025<br>| Waived-Originator exception granted for exposure, waiver applied with reviewed compactors - 65% LTV < 75% maximum allowed. 723 FICO > 700 minimum required. 2,203.6 months reserves > 6 months minimum required - Due Diligence Vendor-02/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2203.60 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 3182576 |
| XXXX | 418 | XXXX D B A | Closed | FCRE1254 | 2025-01-09 12:01 | 2025-02-11 14:29 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Operating Agreement. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. - Seller-02/07/2025 <br>Open-Property Title Issue Provide documentation to support seller's representative is an authorized signor AND provide selling LLC members to ensure the borrower has no ownership interest in the entity. Insufficient documentation in loan file to determine if subject is arm's length. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-02/07/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2203.60 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3173012 |
| XXXX | 418 | XXXX D B A | Closed | FCRE1201 | 2025-01-09 12:32 | 2025-02-11 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. - Seller-02/07/2025 <br>Open-Missing Third Party Fraud Report Fraud Report missing from loan file. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-02/07/2025<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 723.<br>Months Reserves exceed minimum required - Months reserves required is 12; qualifying reserves is 2203.60 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3173381 |
| XXXX | 419 | XXXX D A C | Closed | finding-3367 | 2025-01-06 13:11 | 2025-01-22 12:09 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received email confirmation that application date is XXXX. - Due Diligence Vendor-01/22/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-01/06/2025 |  | Resolved-Received email confirmation that application date is XXXX. - Due Diligence Vendor-01/22/2025 | Months Reserves exceed minimum required - 89 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 43%; max 75%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3145979 |
| XXXX | 419 | XXXX D A C | Closed | finding-3515 | 2025-01-06 13:11 | 2025-01-22 12:09 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received email confirmation that application date is XXXX. - Due Diligence Vendor-01/22/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Missing initial LE dated within 3 days of Application date [XXXX]. Additional Findings may apply upon receipt. Statute of Limitations 1 year - Expiration Date is XXXX.<br> - Due Diligence Vendor-01/06/2025 |  | Resolved-Received email confirmation that application date is XXXX. - Due Diligence Vendor-01/22/2025 | Months Reserves exceed minimum required - 89 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 43%; max 75%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3145983 |
| XXXX | 419 | XXXX D A C | Closed | finding-3838 | 2025-01-06 13:11 | 2025-01-22 12:09 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Received email confirmation that application date is XXXX. - Due Diligence Vendor-01/22/2025 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). Provider List not provided within 3 days of application. - Due Diligence Vendor-01/06/2025 |  | Resolved-Received email confirmation that application date is XXXX. - Due Diligence Vendor-01/22/2025 | Months Reserves exceed minimum required - 89 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 43%; max 75%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3145985 |
| XXXX | 419 | XXXX D A C | Closed | FCRE7806 | 2025-01-08 09:24 | 2025-01-13 13:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received the Borrower 1 Bank Statement Summary/Lender Worksheet. - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. Bank statement worksheet - Buyer-01/10/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Most recent worksheet not provided. - Due Diligence Vendor-01/08/2025 |  | Resolved-Received the Borrower 1 Bank Statement Summary/Lender Worksheet. - Due Diligence Vendor-01/13/2025<br>| Months Reserves exceed minimum required - 89 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 43%; max 75%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3161828 |
| XXXX | 419 | XXXX D A C | Closed | FCRE8224 | 2025-01-08 09:16 | 2025-01-13 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved-Received the Certificate of Formation for ownership. - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. UW cert - Buyer-01/10/2025 <br>Open-Percentage of business ownership not provided. - Due Diligence Vendor-01/08/2025 |  | Resolved-Received the Certificate of Formation for ownership. - Due Diligence Vendor-01/13/2025<br>| Months Reserves exceed minimum required - 89 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 43%; max 75%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3161736 |
| XXXX | 419 | XXXX D A C | Closed | FCRE6737 | 2025-01-08 11:38 | 2025-01-13 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received LOE for variance of income. - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. UW cert - Buyer-01/10/2025 <br>Open-Borrower to provide a letter of explaining regarding the difference in income from the original 1003 stated amount to the verified amount. - Due Diligence Vendor-01/08/2025 |  | Resolved-Received LOE for variance of income. - Due Diligence Vendor-01/13/2025<br>| Months Reserves exceed minimum required - 89 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 43%; max 75%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3163714 |
| XXXX | 420 | XXXX D A | Closed | FCOM8972 | 2025-01-16 10:22 | 2025-01-16 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-Client provided full rider- condition resolved. - Due Diligence Vendor-01/16/2025 <br> Open-1-4 Family Rider is Missing Missing page 2 of the 1-4 family rider - Due Diligence Vendor-01/16/2025 |  | Resolved-Client provided full rider- condition resolved. - Due Diligence Vendor-01/16/2025<br>| LTV is less than guideline maximum - LTV 31%; max 80%.<br>Months Reserves exceed minimum required - 27 months PITIA reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 722; minimum required 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | Cash Out - Other | N/A | N/A | 3219336 |
| XXXX | 421 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 422 | XXXX C B A | Closed | FCRE7011 | 2025-01-09 10:52 | 2025-05-23 12:14 | Waived | 2 - Non-Material C B | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Waived-Waiver received: Seeking exceptions to waive the 6 month rent loss requirement. Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. - Seller-01/15/2025 <br>Open-Rent Loss Coverage is Insufficient or Missing. Missing six months coverage. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2025<br>| Waived-Waiver received: Seeking exceptions to waive the 6 month rent loss requirement. Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/23/2025<br>| LTV is less than guideline maximum - Max LTV 65%- Borrower's LTV 40%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 625 - Borrower's FICO 646<br>Months Reserves exceed minimum required - 72 months reserves | LTV is 5% less than guideline maximum,<br> 4+ years in primary residence | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3172107 |
| XXXX | 422 | XXXX C B A | Closed | FCRE1197 | 2025-01-09 15:55 | 2025-05-23 12:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Waiver received to allow a 646 fico, min 650. Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. - Seller-01/15/2025 <br> Open-Audited FICO of 646 is less than Guideline FICO of 650 Required for rural property. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2025<br>| Waived-Waiver received to allow a 646 fico, min 650. Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/23/2025<br>| LTV is less than guideline maximum - Max LTV 65%- Borrower's LTV 40%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 625 - Borrower's FICO 646<br>Months Reserves exceed minimum required - 72 months reserves | LTV is 5% less than guideline maximum,<br> 4+ years in primary residence | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3176324 |
| XXXX | 422 | XXXX C B A | Closed | FVAL2242 | 2025-01-09 11:28 | 2025-01-09 14:22 | Waived | 2 - Non-Material C B | Property | Property | Property is Manufactured Housing | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-01/09/2025 <br> Open-Current guidelines require XXXX data plate. Using XXXX in lieu of XXXX data plate. - Due Diligence Vendor-01/09/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-01/09/2025<br>| LTV is less than guideline maximum - Max LTV 65%- Borrower's LTV 40%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 625 - Borrower's FICO 646<br>Months Reserves exceed minimum required - 72 months reserves | -LTV is 5% less than guideline maximum,<br> -4+ years in primary residence |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3172696 |
| XXXX | 423 | XXXX D A | Closed | FCRE0043 | 2025-01-08 16:57 | 2025-01-13 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. DSCR Calculation Uploaded - Buyer-01/09/2025 <br>Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-01/08/2025 |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-01/13/2025<br>| LTV is less than guideline maximum - LTV 47.76%; Max 80%.<br>Months Reserves exceed minimum required - 63.23 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 759; Minimum required 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3167832 |
| XXXX | 424 | XXXX C A | Closed | FCRE8701 | 2025-01-09 09:55 | 2025-03-13 13:48 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. IRS EIN documented with SEC - Buyer-03/05/2025 <br> Ready for Review-Document Uploaded. We thought we satisfied this condition with the attached. There are only 2 members of the LLC, and both are on the loan, EIN is in file from XXXX Secretary of State. Are you looking for the Federal EIN number issued by the IRS? - Buyer-01/10/2025 <br> Open-The Business Entity Formation Document is Missing Missing EIN Number verification - Due Diligence Vendor-01/09/2025 |  | Resolved-Received EIN. - Due Diligence Vendor-03/07/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 58.23 months<br>LTV is less than guideline maximum - Max 75%, actual 53.51%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 762 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3171371 |
| XXXX | 424 | XXXX C A | Closed | FCRE1509 | 2025-01-16 10:23 | 2025-01-24 14:50 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received signed copy of PPP addendum. - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Document Uploaded. Corrected Note with prepayment addendum included in attached - Seller-01/23/2025 <br> Counter-Received PPP addendum and letter of intent to re-record. However please provide evidence of delivery or a signed copy of the PPP addendum. - Due Diligence Vendor-01/16/2025 <br> Open-The Note is Incomplete Missing prepayment rider - Per file the latest CD dated XXXX and signed XXXX reflects a pay off as high as XXXX if paid off in the first 36 months. Other CD's in the file signed prior do not reflect a Pre Pay - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. Corrected Note with prepayment addendum included in attached - Seller-01/23/2025<br>| Resolved-Received signed copy of PPP addendum. - Due Diligence Vendor-01/24/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 58.23 months<br>LTV is less than guideline maximum - Max 75%, actual 53.51%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 762 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3219339 |
| XXXX | 424 | XXXX C A | Closed | FCOM1221 | 2025-01-09 09:50 | 2025-01-24 14:47 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received signed copy of PPP rider. - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Document Uploaded. Corrected Mortgage with prepayment riders included in attached - Buyer-01/23/2025 <br> Counter-Received PPP rider and letter of intent to re-record. However please provide evidence of delivery or a signed copy of the PPP Rider. - Due Diligence Vendor-01/13/2025 <br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-01/10/2025 <br> Open-The Deed of Trust is Incomplete Missing prepayment rider - Per file the latest CD dated XXXX and signed XXXX reflects a pay off as high as XXXX if paid off in the first 36 months. Other CD's in the file signed prior do not reflect a Pre Pay - Due Diligence Vendor-01/09/2025 |  | Resolved-Received signed copy of PPP rider. - Due Diligence Vendor-01/24/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 58.23 months<br>LTV is less than guideline maximum - Max 75%, actual 53.51%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 762 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3171317 |
| XXXX | 425 | XXXX D A | Closed | FCRE1201 | 2025-01-09 13:01 | 2025-01-15 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Final Fraudguard - Buyer-01/14/2025 <br>Open-Missing Third Party Fraud Report Missing required fraud report - Due Diligence Vendor-01/09/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-01/15/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $27,164.27 Min $1500<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 785 Min 680<br>Months Reserves exceed minimum required - Reserves: 92 Min 3 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3173765 |
| XXXX | 426 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 427 | XXXX D A | Closed | FCRE1440 | 2025-01-09 12:30 | 2025-05-23 11:04 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received documentation to support XXXX was paid, the payment history was located in the loan file. - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Seller-02/07/2025 <br> Counter-Receive payment history worksheet, however we are missing supporting documentation and in addition 1x30x12 > 0x30x12 maximum allowed. Per the Payoff Statement, the loan was 30 days delinquent and the worksheet indicated 3/2024 payment was missed. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. Underwriter LOE & Verification Of Mortgage XXXX - Buyer-01/31/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing acceptable VOM for subject mortgage supporting 0x30 in past 12 months. Additional conditions may apply. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. Supporting docs - Seller-02/07/2025<br>| Resolved-Received documentation to support March was paid, the payment history was located in the loan file. - Due Diligence Vendor-02/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739>680<br>Months Reserves exceed minimum required - 22>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3173357 |
| XXXX | 427 | XXXX D A | Closed | FCRE0360 | 2025-01-09 12:30 | 2025-05-23 11:04 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-previous VOR provided. - Due Diligence Vendor-01/27/2025 <br> Ready for Review-Document Uploaded. VORs - Buyer-01/24/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing completed 12 month VOR for borrower supporting 0x30 in past 12 months-received VOR for only XXXX. Additional conditions may apply. - Due Diligence Vendor-01/09/2025 |  | Resolved-previous VOR provided. - Due Diligence Vendor-01/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739>680<br>Months Reserves exceed minimum required - 22>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3173358 |
| XXXX | 427 | XXXX D A | Closed | FCOM1352 | 2025-01-09 13:03 | 2025-02-04 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Affidavit - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. Business Purpose & Occupancy Affidavit - Buyer-02/03/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing business purpose disclosure - Due Diligence Vendor-01/09/2025 |  | Resolved-Received Affidavit - Due Diligence Vendor-02/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739>680<br>Months Reserves exceed minimum required - 22>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3173798 |
| XXXX | 427 | XXXX D A | Closed | FCRE6843 | 2025-01-09 12:34 | 2025-01-27 15:33 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-October and November XXXX provided. - Due Diligence Vendor-01/27/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-01/24/2025 <br> Open-Missing XXXX Statements for business account XXXX - received XXXX printout only. Additional conditions may apply. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. XXXX Bank Statements October & November - Seller-01/24/2025 | Resolved-October and November XXXX XXXX provided. - Due Diligence Vendor-01/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - 739>680<br>Months Reserves exceed minimum required - 22>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3173427 |
| XXXX | 427 | XXXX D A | Closed | FCRE1294 | 2025-01-09 13:06 | 2025-01-27 15:18 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/27/2025 <br> Ready for Review-Document Uploaded. Mortgage Statement With Escrows XXXX - Buyer-01/24/2025 <br> Open-Income 3 Months Income Verified is Missing Missing evidence of the PITI for XXXX - Due Diligence Vendor-01/09/2025 |  | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739>680<br>Months Reserves exceed minimum required - 22>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3173839 |
| XXXX | 427 | XXXX D A | Closed | FCRE7497 | 2025-01-09 12:20 | 2025-01-27 15:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Note and CD provided. - Due Diligence Vendor-01/27/2025 <br> Ready for Review-Document Uploaded. XXXX Closing Disclosure & Note - Seller-01/24/2025 <br> Open-Missing Note and CD for new loan on property XXXX with lender. Additional conditions may apply. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. XXXX School Closing Disclosure & Note - Seller-01/24/2025 | Resolved-Note and CD provided. - Due Diligence Vendor-01/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739>680<br>Months Reserves exceed minimum required - 22>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3173268 |
| XXXX | 427 | XXXX D A | Closed | FCRE2663 | 2025-01-07 14:44 | 2025-01-27 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Application | Resolved-signed final 1003 received. - Due Diligence Vendor-01/27/2025 <br>Ready for Review-Document Uploaded. FNMA Form 1003 - Buyer-01/24/2025 <br>Open------Missing Executed Final 1003 - Due Diligence Vendor-01/07/2025 |  | Resolved-signed final 1003 received. - Due Diligence Vendor-01/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739>680<br>Months Reserves exceed minimum required - 22>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3157019 |
| XXXX | 428 | XXXX D A | Closed | FCRE1198 | 2025-01-09 13:20 | 2025-01-15 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received documentation to support gift receipt. Audited Reserves of 9.35 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. PFN Underwriter LOE Gift Funds & Borrower Reserves - Seller-01/14/2025 <br> Open-Audited Reserves of 1.66 month(s) are less than Guideline Required Reserves of 3 month(s) Gift letter provided for XXXX, however verification of receipt not provided. if given to title and not deposited into the client account, the funds are not eligible for reserves. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. XXXX Underwriter LOE Gift Funds & Borrower Reserves - Seller-01/14/2025 | Resolved-Received documentation to support gift receipt. Audited Reserves of 9.35 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/15/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 12%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 760; minimum required 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3174042 |
| XXXX | 428 | XXXX D A | Closed | FCRE0070 | 2025-01-09 13:20 | 2025-01-15 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. XXXX Form 1008 - Seller-01/14/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. XXXX Form 1008 - Seller-01/14/2025 | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-01/15/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 12%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 760; minimum required 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3174043 |
| XXXX | 428 | XXXX D A | Closed | FCRE1480 | 2025-01-09 14:22 | 2025-01-15 13:45 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received documentation to support the receipt of the gift funds. - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Seller-01/14/2025 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence of receipt of the gift funds. Per Gift Letter will be given to Title. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. Supporting docs - Seller-01/14/2025<br>| Resolved-Received documentation to support the receipt of the gift funds. - Due Diligence Vendor-01/15/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 12%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 760; minimum required 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3175027 |
| XXXX | 428 | XXXX D A | Closed | FCRE1159 | 2025-01-09 12:32 | 2025-01-15 13:43 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Upon further review, Disbursement date is XXXX - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Final Settlement Statement With Lender Disbursement Date Of XXXX - Seller-01/14/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Loan funded XXXX - Due Diligence Vendor-01/09/2025 | Ready for Review-Final Settlement Statement With Lender Disbursement Date Of XXXX - Seller-01/14/2025 | Resolved-Upon further review, Disbursement date is XXXX - Due Diligence Vendor-01/15/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 12%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 760; minimum required 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3173387 |
| XXXX | 428 | XXXX D A | Closed | finding-3635 | 2025-01-07 15:20 | 2025-01-15 08:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC dated XXXX for increase in recording fees. - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. Changed Circumstances Record - Seller-01/14/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ------Ten (10%) tolerance fees (Recording Fees) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 Years: XXXX. - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. Changed Circumstances Record - Seller-01/14/2025<br>| Resolved-Received COC dated XXXX for increase in recording fees. - Due Diligence Vendor-01/15/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 12%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 760; minimum required 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3157529 |
| XXXX | 428 | XXXX D A | Closed | FCOM1231 | 2025-01-07 14:51 | 2025-01-15 08:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received the Initial 1003. - Due Diligence Vendor-01/20/2025 <br>Ready for Review-Document Uploaded. FNMA Form 1003 (Initial) - Buyer-01/14/2025 <br>Open-The Initial 1003 is Missing -----The Initial 1003 is Missing - Due Diligence Vendor-01/07/2025 |  | Resolved-Received the Initial 1003. - Due Diligence Vendor-01/20/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 12%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 760; minimum required 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3157097 |
| XXXX | 429 | XXXX C B A | Closed | FCRE1440 | 2025-01-09 15:24 | 2025-03-13 13:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted for FTI with no housing history, applied to non material finding with reviewed comp factors - 806 FICO > 700. 70% LTV < 75% maximum allowed. - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Client exception granted for FTI with no housing history, applied to non material finding with reviewed comp factors - 806 FICO > 700. 70% LTV < 75% maximum allowed. - Due Diligence Vendor-01/13/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Exception - First Time Investor living rent free - Due Diligence Vendor-01/09/2025 |  | Waived-Client exception granted for FTI with no housing history, applied to non material finding with reviewed comp factors - 806 FICO > 700. 70% LTV < 75% maximum allowed. - Due Diligence Vendor-01/13/2025<br>| LTV is less than guideline maximum - 70% ltv. 75% max<br>Qualifying FICO score is at least 20 points above minimum for program - 806 fico. 700 min. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3175833 |
| XXXX | 429 | XXXX C B A | Closed | FCRE8201 | 2025-01-09 13:56 | 2025-01-13 13:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted for FTI with no housing history, applied to non material finding with reviewed comp factors - 806 FICO > 700. 70% LTV < 75% maximum allowed. - Due Diligence Vendor-01/13/2025 <br>Ready for Review-Document Uploaded. Exception Approval Uploaded - Buyer-01/09/2025 <br>Open-Exception Request - Borrower is a first time investor and first time homebuyer. He currently lives rent free with his fiance. His fiance owns their primary house and makes the payments. She is NOT on the loan, but she will be on title. Borrower is purchasing a 2 family investement property. This is an exception request for the verified 12 month housing payment history, since this is not applicable to the borrower.<br>Borrowers who do not have a complete 12-month housing history are ineligible for the program. - Due Diligence Vendor-01/09/2025 |  | Waived-Client exception granted for FTI with no housing history, applied to non material finding with reviewed comp factors - 806 FICO > 700. 70% LTV < 75% maximum allowed. - Due Diligence Vendor-01/13/2025<br>| LTV is less than guideline maximum - 70% ltv. 75% max<br>Qualifying FICO score is at least 20 points above minimum for program - 806 fico. 700 min. | Credit Score: 806 FICO<br> Reserves (months): 12<br> DSCR: 0.97<br> Credit History: perfect<br> Credit Profile excellent | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3174553 |
| XXXX | 430 | XXXX D A | Closed | FCRE1440 | 2025-01-09 14:14 | 2025-02-11 13:51 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. Payment Schedule & Bank Statements Proof Of Mortgage Payments - Seller-02/10/2025 <br> Counter-VOR for primary residence provided. Please provide a payment history for the subject property. - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. XXXX - Buyer-02/05/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOM for subject and rental property 3a reflecting 0x30 in 12 months. Additional conditions may apply. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. Payment Schedule & Bank Statements Proof Of Mortgage Payments - Seller-02/10/2025<br>| Resolved-Received payment history. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739>700<br>Months Reserves exceed minimum required - 5>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3174906 |
| XXXX | 430 | XXXX D A | Closed | FCRE7497 | 2025-01-09 14:07 | 2025-02-06 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA. - Due Diligence Vendor-02/06/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-02/05/2025 <br>Open-Missing new PITIA validation for property 3a-recently refinanced with lender. - Due Diligence Vendor-01/09/2025 |  | Resolved-Received PITIA. - Due Diligence Vendor-02/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739>700<br>Months Reserves exceed minimum required - 5>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3174802 |
| XXXX | 430 | XXXX D A | Closed | FCOM1352 | 2025-01-09 14:45 | 2025-02-04 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. Business Purpose & Occupancy Affidavit - Buyer-02/03/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing business purpose - Due Diligence Vendor-01/09/2025 |  | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-02/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739>700<br>Months Reserves exceed minimum required - 5>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3175319 |
| XXXX | 431 | XXXX C A | Closed | FCRE0969 | 2025-01-15 14:03 | 2025-01-23 15:17 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Received PPP addendum PPP Rider. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Note with PPP addendum<br> - Buyer-01/21/2025 <br>Counter-Received the PPP Rider. Please provide the PPP Addendum. - Due Diligence Vendor-01/17/2025 <br>Ready for Review-Document Uploaded. Mortgage and riders - Buyer-01/16/2025 <br>Open-Missing PPP Addendum - Due Diligence Vendor-01/15/2025 |  | Resolved-Received PPP addendum PPP Rider. - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 797; minimum required 700.<br>Months Reserves exceed minimum required - 29 months PITIA reserves; 12 months reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3213037 |
| XXXX | 432 | XXXX D A | Closed | FCRE1316 | 2025-01-09 17:57 | 2025-01-15 14:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Borrower 1 3rd Party VOE Prior to Close. - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. VOE - Seller-01/14/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verification of Employment for self-employed borrower. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. VOE - Seller-01/14/2025<br>| Resolved-Received Borrower 1 3rd Party VOE Prior to Close. - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 763 Min 700<br>Months Reserves exceed minimum required - 16 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3177369 |
| XXXX | 432 | XXXX D A | Closed | FCRE1320 | 2025-01-09 17:57 | 2025-01-15 14:04 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Resolved-Borrower 1 Personal Tax Returns Less Than 24 Months Provided Condition Resolved - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. Tax returns - XXXX starts page 97 - Seller-01/14/2025 <br> Open-Borrower 1 Personal Tax Returns Less Than 24 Months Provided Loan submitted as two years full doc; however, only XXXX for XXXX was provided - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. Tax returns - 2022 starts page 97 - Seller-01/14/2025<br>| Resolved-Borrower 1 Personal Tax Returns Less Than 24 Months Provided Condition Resolved - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 763 Min 700<br>Months Reserves exceed minimum required - 16 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3177370 |
| XXXX | 432 | XXXX D A | Closed | FCRE1324 | 2025-01-09 17:57 | 2025-01-15 14:04 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor-01/15/2025 <br>Open-Borrower 1 Tax Returns Not Signed Missing signed tax return - Due Diligence Vendor-01/09/2025 |  | Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 763 Min 700<br>Months Reserves exceed minimum required - 16 mths reserves; 3 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3177371 |
| XXXX | 432 | XXXX D A | Closed | FCRE7347 | 2025-01-09 18:31 | 2025-01-15 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Upon further review the lease agreement was current as on the date of the Note, nothing further is required. - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. Seller response - Seller-01/15/2025 <br> Open-Missing documentation which confirms that the lease for property identified as 3a has been renewed, as existing lease expired as of XXXX and auto-renewal language on lease was stricken out. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. Seller response - Seller-01/15/2025<br>| Resolved-Upon further review the lease agreement was current as on the date of the Note, nothing further is required. - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 763 Min 700<br>Months Reserves exceed minimum required - 16 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3177535 |
| XXXX | 432 | XXXX D A | Closed | FCRE5782 | 2025-01-09 18:11 | 2025-01-15 13:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Credit report - Buyer-01/14/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing required gap report / credit refresh obtained within 10 days prior to closing. Supplement provided is for mortgages only. - Due Diligence Vendor-01/09/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 763 Min 700<br>Months Reserves exceed minimum required - 16 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3177465 |
| XXXX | 433 | XXXX D A | Closed | FCRE5782 | 2025-01-09 16:08 | 2025-05-23 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/23/2025 <br>Resolved-Received Gap Report. - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/13/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing. Fraud report - no UDM - Due Diligence Vendor-01/09/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/23/2025 <br>Resolved-Received Gap Report. - Due Diligence Vendor-01/15/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 7 months<br>Qualifying DTI below maximum allowed - Max 50%, actual 35.76%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 771 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3176436 |
| XXXX | 433 | XXXX D A | Closed | FCRE0044 | 2025-01-15 13:30 | 2025-01-21 14:34 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-01/21/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/18/2025 <br> Open-LOX for credit inquiries is missing. \*New\* Missing LOE for the inquiry on XXXX. - Due Diligence Vendor-01/15/2025 |  | Resolved-Received LOE - Due Diligence Vendor-01/21/2025<br>| Months Reserves exceed minimum required - Min 3 months, actual 7 months<br>Qualifying DTI below maximum allowed - Max 50%, actual 35.76%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 771 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3212535 |
| XXXX | 434 | XXXX D A | Closed | FCRE8701 | 2025-01-10 09:24 | 2025-03-07 12:55 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN for XXXX. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. IRS EIN documented with SEC - Buyer-03/05/2025 <br> Ready for Review-Document Uploaded. We thought we satisfied this condition with the attached. There are only 2 members of the LLC, and both are on the loan, EIN is in file from XXXX Secretary of State. Are you looking for the Federal EIN number issued by the IRS? - Seller-01/10/2025 <br> Open-The Business Entity Formation Document is Missing Missing EIN Number - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. We thought we satisfied this condition with the attached. There are only 2 members of the LLC, and both are on the loan, EIN is in file from XXXX of State. Are you looking for the Federal EIN number issued by the IRS? - Seller-01/10/2025 | Resolved-Received EIN for XXXX. - Due Diligence Vendor-03/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - 762>700<br>Months Reserves exceed minimum required - 113>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3180119 |
| XXXX | 434 | XXXX D A | Closed | FCRE1509 | 2025-01-16 10:29 | 2025-01-27 14:28 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received PPP addendum and rider signed with letter of intent to re-record. - Due Diligence Vendor-01/24/2025 <br>Ready for Review-Document Uploaded. Corrected Note and prepayment addendum included in attached - Buyer-01/23/2025 <br>Counter-Received PPP addendum and letter of intent to re-record. However please provide evidence of delivery or a signed copy of the PPP addendum. - Due Diligence Vendor-01/16/2025 <br>Open-There are Issues Present on the Note that must be addressed. The Note is Incomplete Missing prepayment rider - Per CD prepayment present - - Due Diligence Vendor-01/16/2025 |  | Resolved-Received PPP addendum and rider signed with letter of intent to re-record. - Due Diligence Vendor-01/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 762>700<br>Months Reserves exceed minimum required - 113>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3219418 |
| XXXX | 434 | XXXX D A | Closed | FCRE8257 | 2025-01-16 10:36 | 2025-01-24 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Prepayment Rider-Credit | Resolved-Received PPP Rider signed. - Due Diligence Vendor-01/24/2025 <br>Ready for Review-Document Uploaded. Corrected Mortgage with Prepayment rider recorded included in attached - Seller-01/23/2025 <br>Counter-Received PPP Rider and letter of intent to re-record. However please provide evidence of delivery or a signed copy of the PPP Rider. - Due Diligence Vendor-01/16/2025 <br>Open-Missing prepayment rider for mortgage. per CD prepayment present. - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. Corrected Mortgage with Prepayment rider recorded included in attached - Seller-01/23/2025 | Resolved-Received PPP Rider signed. - Due Diligence Vendor-01/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 762>700<br>Months Reserves exceed minimum required - 113>3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3219576 |
| XXXX | 435 | XXXX C B A | Closed | FCRE0008 | 2025-01-23 16:40 | 2025-05-23 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-prepay changed to 3/2/1 - Due Diligence Vendor-01/28/2025 <br> Open-The subject loan has a step down prepayment penalty of 36 months with a 5/4/3%; however, the guidelines only allowed a 36 month with a 3/2/1%. - Due Diligence Vendor-01/23/2025 |  | Resolved-prepay changed to 3/2/1 - Due Diligence Vendor-01/28/2025<br>| LTV is less than guideline maximum - LTV 53%; max 75%.<br>Months Reserves exceed minimum required - 87 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3271359 |
| XXXX | 435 | XXXX C B A | Closed | FCRE8701 | 2025-02-28 16:34 | 2025-03-20 10:04 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-EIN number provided. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. IRS letter with EIN - Seller-03/20/2025 <br> Counter-Received EIN for XXXX, Please provide the EIN for XXXX. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. IRS EIN documented with SEC - Seller-03/05/2025 <br> Open-The Business Entity Formation Document is Missing Business documentation provided, please provide the Federal EIN number issued by the IRS - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. IRS letter with EIN - Seller-03/20/2025 <br>Ready for Review-Document Uploaded. IRS EIN documented with SEC - Seller-03/05/2025<br>| Resolved-EIN number provided. - Due Diligence Vendor-03/20/2025<br>| LTV is less than guideline maximum - LTV 53%; max 75%.<br>Months Reserves exceed minimum required - 87 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3506612 |
| XXXX | 435 | XXXX C B A | Closed | FCRE0082 | 2025-01-24 16:07 | 2025-01-28 13:55 | Waived | 2 - Non-Material C B | Credit | Title | Vested Owner Signature Requirement Not met | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-01/28/2025 <br>Open-Vested Owner Signature Requirement Not met. Trusts or business entities whose members include other LLCs, Corporations, Partnerships, or Trusts are ineligible. The subject loan closed in the name of the borrowers' LLC whose member was held in a LLC. - Due Diligence Vendor-01/24/2025 |  | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-01/28/2025<br>| LTV is less than guideline maximum - LTV 53%; max 75%.<br>Months Reserves exceed minimum required - 87 months PITIA reserves; 3 months reserves required. | LTV 53%; max 75%. 87 months PITIA reserves; 3 months reserves required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 3280200 |
| XXXX | 435 | XXXX C B A | Closed | FCRE1509 | 2025-01-09 08:02 | 2025-01-28 12:45 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Executed note and DOT with corrections were provided. - Due Diligence Vendor-01/28/2025 <br>Counter-Received LOX, Intent to Record, Addendum to note, page 2 of DOT with rider box complete and prepayment rider to DOT. Provide executed Note and DOT with corrections. - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/10/2025 <br>Open-There are Issues Present on the Note that must be addressed. PPP on CD not on Note/DOT or Tape - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/10/2025<br>| Resolved-Executed note and DOT with corrections were provided. - Due Diligence Vendor-01/28/2025<br>| LTV is less than guideline maximum - LTV 53%; max 75%.<br>Months Reserves exceed minimum required - 87 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3170253 |
| XXXX | 435 | XXXX C B A | Closed | FCRE0969 | 2025-01-10 13:31 | 2025-01-28 12:01 | Resolved | 1 - Information A | Credit | Closing | Prepayment Penalty Issue | Resolved-Executed Note and DOT with corrections were provided with corrections. - Due Diligence Vendor-01/28/2025 <br>Counter-Received LOX, Intent to Record, Addendum to note, page 2 of DOT with rider box complete and prepayment rider to DOT. Provide executed Note and DOT with corrections. - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/10/2025 <br>Open-Prepayment Rider missing from Note and moprtgage - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/10/2025<br>| Resolved-Executed Note and DOT with corrections were provided with corrections. - Due Diligence Vendor-01/28/2025<br>| LTV is less than guideline maximum - LTV 53%; max 75%.<br>Months Reserves exceed minimum required - 87 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3184168 |
| XXXX | 436 | XXXX D B A | Closed | FCRE1440 | 2025-01-10 12:02 | 2025-05-23 11:15 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplement. - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/13/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing primary residence housing validation and updated rating supporting 0x30 in past 12 months (December 2024 missing). - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/13/2025<br>| Resolved-Received Credit Supplement. - Due Diligence Vendor-01/15/2025<br>| Months Reserves exceed minimum required - 32>12<br>Qualifying FICO score is at least 20 points above minimum for program - 819>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3182588 |
| XXXX | 436 | XXXX D B A | Closed | FCRE1491 | 2025-01-10 12:07 | 2025-01-30 11:40 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received CPA letter for proof of ownership. Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. Letter - Seller-01/29/2025 <br> Counter-Received EIN, however this does not verify the % of ownership. Finding remains. - Due Diligence Vendor-01/20/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/16/2025 <br> Counter-Statement for XXXX reflect a transfer to XXXX. Please provided documentation to support % of ownership / access for XXXX - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/13/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing business ownership and access for XXXX business account utilized for closing and reserves. - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. Letter - Seller-01/29/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/16/2025<br>| Resolved-Received CPA letter for proof of ownership. Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-01/30/2025<br>| Months Reserves exceed minimum required - 32>12<br>Qualifying FICO score is at least 20 points above minimum for program - 819>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3182837 |
| XXXX | 436 | XXXX D B A | Closed | FCRE1194 | 2025-01-10 12:16 | 2025-01-15 13:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client provided a waiver for LTV, applied to non material finding with reviewed comp factors - 819 FICO > 700 minimum required. 32.65% months reserves > 12 months minimum required. - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/13/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% LTV/CLTV exceeds guidelines-restricted to 75% as First Time Investors. - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/13/2025<br>| Waived-Client provided a waiver for LTV, applied to non material finding with reviewed comp factors - 819 FICO > 700 minimum required. 32.65% months reserves > 12 months minimum required. - Due Diligence Vendor-01/15/2025<br>| Months Reserves exceed minimum required - 32>12<br>Qualifying FICO score is at least 20 points above minimum for program - 819>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3182988 |
| XXXX | 436 | XXXX D B A | Closed | FCRE0043 | 2025-01-10 12:09 | 2025-01-15 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation was located. - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/13/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing lenders DSCR calculation. - Due Diligence Vendor-01/10/2025 |  | Resolved-DSCR Calculation was located. - Due Diligence Vendor-01/15/2025<br>| Months Reserves exceed minimum required - 32>12<br>Qualifying FICO score is at least 20 points above minimum for program - 819>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3182888 |
| XXXX | 437 | XXXX C B A | Closed | FCRE1232 | 2025-01-10 15:38 | 2025-01-16 07:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Exception Uploaded. Clent waiver applied to use market rent for unit currently occupied by the seller - Due Diligence Vendor-03/05/2025 <br> Counter-Per guides XXXX 5.2 Lease amount or market rent survey from appraisal report, whichever is lower, is used as rental income. Lower income of XXXX will need to be used to qualify. Provide an Lender Exception. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. As per the appraisal, monthly rental income is XXXX, DSCR ratio is 1.22 - Buyer-01/13/2025 <br> Open-The Calculated DSCR of '0.778' is less than the minimum DSCR per lender guidelines of '0.8'. - Due Diligence Vendor-01/10/2025 |  | Waived-Exception Uploaded. Clent waiver applied to use market rent for unit currently occupied by the seller - Due Diligence Vendor-03/05/2025<br>| Months Reserves exceed minimum required - 8.25 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 56%; Max 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 811; Minimum required 700. | LTV 56%, max 80%<br> qualifying score 811, min 700<br> 8.25 months of reserves, 36 months required. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3186088 |
| XXXX | 438 | XXXX D B A | Closed | FCRE1232 | 2025-01-10 17:26 | 2025-01-31 10:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. We reviewed internally and will approve it but there is a cost. See below-LTV is <=50, the cost for <1 DSCR is an additional -0.50 plus the exception cost of -0.25. We can waive the exception cost if needed, but not the 50 bps for the DSCR.<br>Per XXXX - Seller-01/30/2025 <br> Counter-DSCR calculation provided, it appear the DSCR was calculated with month taxes of XXXX, however loan was approved with monthly tax amount of XXXX. Finding remains. - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/14/2025 <br> Open-The Calculated DSCR of '0.923' is less than the minimum DSCR per lender guidelines of '1'. Minimum required is 1.00 for a First Time Investor - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. We reviewed internally and will approve it but there is a cost. See below-LTV is <=50, the cost for <1 DSCR is an additional -0.50 plus the exception cost of -0.25. We can waive the exception cost if needed, but not the 50 bps for the DSCR.<br>Per XXXX - Seller-01/30/2025 | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-01/31/2025<br>| LTV is less than guideline maximum - Max 75%, actual 49.32%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 798<br>Months Reserves exceed minimum required - Min 12 months, actual 13.38 months | 720 FICO score (78 points above min)<br> 2 months reserves above minimum<br> 49% LTV (26% lower than MIN)<br> Credit history 0x30 for at least 36 mos<br> Credit profile: Low usage/lower payments | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3187320 |
| XXXX | 438 | XXXX D B A | Closed | FCRE1173 | 2025-01-10 16:59 | 2025-01-16 13:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Condo Master Insurance Policy - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/14/2025 <br>Open-Missing Condo Master Insurance Policy Not found in file<br> - Due Diligence Vendor-01/10/2025 |  | Resolved-Received Condo Master Insurance Policy - Due Diligence Vendor-01/16/2025<br>| LTV is less than guideline maximum - Max 75%, actual 49.32%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 798<br>Months Reserves exceed minimum required - Min 12 months, actual 13.38 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3187041 |
| XXXX | 438 | XXXX D B A | Closed | FCRE1248 | 2025-01-10 16:55 | 2025-01-16 13:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Client exception granted for non-arms length, waiver applied with reviewed compactors - 49.32% LTV < 75% maximum allowed. 798 FICO > 700 minimum required. - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/14/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Exception request for non-arms length transaction. Borrower is former daughter in-law of seller. Wants to keep property in family. Purchasing slightly below market value. New lease in file for XXXX within 20% of market. Significant down payment with LTV of 50%. - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/14/2025<br>| Waived-Client exception granted for non-arms length, waiver applied with reviewed compactors - 49.32% LTV < 75% maximum allowed. 798 FICO > 700 minimum required. - Due Diligence Vendor-01/16/2025<br>| LTV is less than guideline maximum - Max 75%, actual 49.32%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 798<br>Months Reserves exceed minimum required - Min 12 months, actual 13.38 months | Credit score 798 - min 720<br> DSCR 1.02 - min 1.00<br> LTV 50% - max 75%<br> 14 months reserves - 12 months required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3187007 |
| XXXX | 439 | XXXX D A | Closed | FCRE0070 | 2025-01-13 09:54 | 2025-01-15 08:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. 1008 Uploaded - Buyer-01/13/2025 <br>Open-Missing Approval/Underwriting Summary Missing 1008 - Due Diligence Vendor-01/13/2025 |  | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 792; minimum required 660.<br>Months Reserves exceed minimum required - 38 months PITIA reserves; 3 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3191071 |
| XXXX | 439 | XXXX D A | Closed | FCRE7807 | 2025-01-13 09:23 | 2025-01-15 08:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 2 Bank Statement Summary/Lender Worksheet is Present or Not Required/Applicable - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Bank Statement Worksheet - Buyer-01/14/2025 <br>Open-The Borrower 2 Bank Statement Summary/Lender Worksheet is Missing Missing income worksheet - Due Diligence Vendor-01/13/2025 |  | Resolved-The Borrower 2 Bank Statement Summary/Lender Worksheet is Present or Not Required/Applicable - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 792; minimum required 660.<br>Months Reserves exceed minimum required - 38 months PITIA reserves; 3 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3190718 |
| XXXX | 440 | XXXX C B A | Closed | FCRE1440 | 2025-01-13 11:47 | 2025-05-23 11:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Exception request and approval - Buyer-01/14/2025 <br>Open-Housing History Does Not Meet Guideline Requirements VOR does not meet guidelines. Exception received. - Due Diligence Vendor-01/13/2025 |  | Waived-Client provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 714>680<br>Months Reserves exceed minimum required - 10>6 | Credit score 714 with required 680 <br> DTI 32% <50% allowable<br> Reserves: 19 months with required 3<br> Good Credit history<br> 5+ years with employer | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Investor Post-Close | No | 3192694 |
| XXXX | 440 | XXXX C B A | Closed | FCRE8013 | 2025-01-13 11:32 | 2025-01-17 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received purchase contract addendum. - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. no consideration amendment for appliances extension - Buyer-01/14/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing confirmation personal property does not convey-XXXX value for furnishings included. - Due Diligence Vendor-01/13/2025 |  | Resolved-Received purchase contract addendum. - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 714>680<br>Months Reserves exceed minimum required - 10>6 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3192462 |
| XXXX | 440 | XXXX C B A | Closed | FCRE2244 | 2025-01-13 11:32 | 2025-01-17 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Receive LOE from borrower stating all work is complete. - Due Diligence Vendor-01/17/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/15/2025 <br>Open-Property Issues are identified for the property Document all repairs identified on both contract addendums have been completed as required. - Due Diligence Vendor-01/13/2025 |  | Resolved-Receive LOE from borrower stating all work is complete. - Due Diligence Vendor-01/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 714>680<br>Months Reserves exceed minimum required - 10>6 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3192463 |
| XXXX | 441 | XXXX C A | Closed | FCRE1148 | 2025-01-13 11:32 | 2025-01-17 11:59 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received the revised Title Commitment. Title Coverage Amount of XXXX is sufficient. - Due Diligence Vendor-01/17/2025 <br> Ready for Review-Document Uploaded. Final Title Commitment Schedule A verifying Title Coverage of XXXX to match Subject Loan Amount - Buyer-01/16/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-01/13/2025 |  | Resolved-Received the revised Title Commitment. Title Coverage Amount of XXXX is sufficient. - Due Diligence Vendor-01/17/2025 | LTV is less than guideline maximum - Guidelines allow LTV to 85%. Subject loan LTV is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 808. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3192456 |
| XXXX | 442 | XXXX D A | Closed | FCRE1151 | 2025-01-13 11:53 | 2025-01-15 11:50 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided. Title indicates only one transfer in 2024 and fraud report and warranty deed confirm no other transfers in the last 24 months. - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. Title commitment details showing vesting and warranty deed showing additional chain of title - Buyer-01/14/2025 <br> Open-Unsatisfactory Chain of Title provided. Missing Chain of Title. - Due Diligence Vendor-01/13/2025 |  | Resolved-Satisfactory Chain of Title has been provided. Title indicates only one transfer in XXXX and fraud report and warranty deed confirm no other transfers in the last 24 months. - Due Diligence Vendor-01/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - 740 fico. 700 minimum.<br>Months Reserves exceed minimum required - 95 months reserves. 3 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3192783 |
| XXXX | 442 | XXXX D A | Closed | FCRE0043 | 2025-01-13 13:08 | 2025-01-15 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calc added to the 1008 - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. 1008 shows DSCR calculation - Buyer-01/14/2025 <br>Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-01/13/2025 |  | Resolved-Received DSCR calc added to the 1008 - Due Diligence Vendor-03/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 740 fico. 700 minimum.<br>Months Reserves exceed minimum required - 95 months reserves. 3 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3193925 |
| XXXX | 443 | XXXX D A C | Closed | FCRE1480 | 2025-01-21 12:33 | 2025-01-29 12:39 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received Wire for 1031 exchange. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. EMD and 1031 exchange docs - Per the seller, "The total funds from the 1031 exchange was XXXX less the EMD XXXX = XXXX, which matches the disbursement wire I provided. " - Seller-01/28/2025 <br> Counter-Attached is a check for Title fees. Need wire for the 1031 Exchange in the amount of XXXX to Title company. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. 1031 EXCHANGE<br> - Seller-01/22/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Provide wire for the XXXX in the amount of XXXX to Title company. - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. EMD and 1031 exchange docs - Per the seller, "The total funds from the 1031 exchange was XXXX less the EMD XXXX, which matches the disbursement wire I provided. " - Seller-01/28/2025 <br> Ready for Review-Document Uploaded. 1031 EXCHANGE<br> - Seller-01/22/2025 | Resolved-Received Wire for XXXX. - Due Diligence Vendor-01/29/2025 | LTV is less than guideline maximum - Max 80%, actual 55%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 736<br>Months Reserves exceed minimum required - Min 3 months, actual 25.35 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3245885 |
| XXXX | 443 | XXXX D A C | Closed | FCRE0008 | 2025-01-14 09:01 | 2025-01-23 15:49 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received revised PCCD . - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. PCCD for PPP - Seller-01/22/2025 <br> Counter-Received the LOE to the borrower. PCCD was not attached. - Due Diligence Vendor-01/21/2025 <br> Ready for Review-Document Uploaded. PCCD FOR PPP AND LOE TO BORROWER<br> - Seller-01/19/2025 <br> Counter-LE and approval reflecting no PPP provided, however the Closing Documents reflect the PPP and there is a variance between the Note Addendum PPP and Final CD. Finding remains. - Due Diligence Vendor-01/17/2025 <br> Ready for Review-Document Uploaded. Supporting documentation - Seller-01/16/2025 <br> Open-Final CD reflects XXXX for prepayment penalty. Calculated amount is XXXX(6 months interest exceeding 20% of OPB) - Due Diligence Vendor-01/14/2025 | Ready for Review-Document Uploaded. PCCD for PPP - Seller-01/22/2025 <br>Ready for Review-Document Uploaded. PCCD FOR PPP AND LOE TO BORROWER<br> - Seller-01/19/2025 <br>Ready for Review-Document Uploaded. Supporting documentation - Seller-01/16/2025<br>| Resolved-Received revised PCCD . - Due Diligence Vendor-01/23/2025<br>| LTV is less than guideline maximum - Max 80%, actual 55%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 736<br>Months Reserves exceed minimum required - Min 3 months, actual 25.35 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3200347 |
| XXXX | 443 | XXXX D A C | Closed | FPRO1253 | 2025-01-13 13:59 | 2025-01-16 15:31 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. CDA - Seller-01/15/2025 <br>Open-Additional valuation product has not been provided. Missing secondary valuation to support appraised value. - Due Diligence Vendor-01/14/2025 | Ready for Review-Document Uploaded. CDA - Seller-01/15/2025<br>| Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-01/16/2025<br>| LTV is less than guideline maximum - Max 80%, actual 55%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 736<br>Months Reserves exceed minimum required - Min 3 months, actual 25.35 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3194687 |
| XXXX | 444 | XXXX D A | Closed | FCRE4104 | 2025-01-14 09:58 | 2025-01-22 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received large deposit verification. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. Docs Uploaded - Buyer-01/21/2025 <br> Open-Document source of large deposit on XXXX into account ending in XXXX (need to ensure if a gift or not) - Due Diligence Vendor-01/14/2025 |  | Resolved-Received large deposit verification. - Due Diligence Vendor-01/22/2025<br>| Months Reserves exceed minimum required - 14.46 mos; 12 mos required<br>Long term residence - Owned primary residence for 8 years. <br>Qualifying FICO score is at least 20 points above minimum for program - 770>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3200922 |
| XXXX | 444 | XXXX D A | Closed | FCRE1491 | 2025-01-13 15:19 | 2025-01-16 14:26 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received client LOE they are not using account ending in XXXX for assets, only using XXXX (XXXX) and XXXX (XXXX). Asset Qualification Meets Guideline Requirements. - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. Seller response - Buyer-01/15/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing verification of account ownership for account ending in XXXX. Missing verification of percentage of ownership in business of said account - Due Diligence Vendor-01/14/2025 |  | Resolved-Received client LOE they are not using account ending in XXXX for assets, only using XXXX (XXXX) and XXXX (XXXX). Asset Qualification Meets Guideline Requirements. - Due Diligence Vendor-01/16/2025 | Months Reserves exceed minimum required - 14.46 mos; 12 mos required<br>Long term residence - Owned primary residence for 8 years. <br>Qualifying FICO score is at least 20 points above minimum for program - 770>700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3195806 |
| XXXX | 445 | XXXX C A | Closed | FCRE1254 | 2025-01-14 17:03 | 2025-01-24 13:04 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received documentation to support 100% owner. - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Document Uploaded. See attached LLC docs for XXXX<br> - Buyer-01/22/2025 <br> Counter-Received ownership documentation for XXXX. Please provide the ownership documentation for XXXX. - Due Diligence Vendor-01/21/2025 <br> Ready for Review-Document Uploaded. LLC documentation - Buyer-01/17/2025 <br> Counter-Received LOE from client that The borrower is changing vesting to the XXXX which is what we validated and showing as the proposed vesting. The borrower purchased as the XXXX and changing the LLC entity . Audit response; Provide an executed Articles of Amendment to support the changing of the LLC Entity. - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. See LOE per UW - Buyer-01/15/2025 <br> Open-Property Title Issue Title reflects the property held in XXXX - All doc documents reflects the business as XXXX - Due Diligence Vendor-01/14/2025 |  | Resolved-Received documentation to support 100% owner. - Due Diligence Vendor-01/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 745 fico. 700 minimum<br>Months Reserves exceed minimum required - 42 months reserves. 3 minimum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3206530 |
| XXXX | 446 | XXXX C B A | Closed | FCRE7009 | 2025-01-14 14:02 | 2025-01-17 11:46 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Upon further review, the Important Notice to Insured documents the cost to rebuild. - Due Diligence Vendor-01/17/2025 <br>Ready for Review-Document Uploaded. PLEASE REFER TO THE 'IMPORTANT NOTICE TO INSURED' SECTION OF EOI<br> - Buyer-01/15/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Missing replacement cost estimate for the subject from the insurer to determine if the coverage is sufficient. - Due Diligence Vendor-01/14/2025 |  | Resolved-Upon further review, the Important Notice to Insured documents the cost to rebuild. - Due Diligence Vendor-01/17/2025<br>| Months Reserves exceed minimum required - 149 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 805; minimum required 680. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3204343 |
| XXXX | 446 | XXXX C B A | Closed | FCOM1301 | 2025-01-12 10:44 | 2025-01-16 12:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Client waiver applied to non-material finding. - Due Diligence Vendor-01/13/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Client waiver applied to non-material finding. - Due Diligence Vendor-01/13/2025<br>| Months Reserves exceed minimum required - 149 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 805; minimum required 680. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 3188555 |
| XXXX | 447 | XXXX D A | Closed | FCRE1506 | 2025-01-15 09:02 | 2025-03-13 08:42 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-HOA is listed on the schedule E of the tax returns. - Due Diligence Vendor-02/07/2025 <br>Counter-Missing HOA document for REO 3a. - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/28/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income documents - Due Diligence Vendor-01/15/2025 |  | Resolved-HOA is listed on the schedule E of the tax returns. - Due Diligence Vendor-02/07/2025<br>| Months Reserves exceed minimum required - 161>3<br>Qualifying FICO score is at least 20 points above minimum for program - 765>700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3208953 |
| XXXX | 447 | XXXX D A | Closed | FCRE1507 | 2025-01-15 09:02 | 2025-03-13 08:42 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-HOA for property XXXX is listed on the tax returns. - Due Diligence Vendor-02/07/2025 <br> Counter-Missing HOA document for REO XXXX. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. Rental income worksheet and updated income worksheets for borrowers 1 & 2<br> - Seller-01/28/2025 <br> Open-The Originator QM Status is not the same as the Final QM Status. Pending income documents - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. Rental income worksheet and updated income worksheets for borrowers 1 & 2<br> - Seller-01/28/2025<br>| Resolved-HOA for property XXXX is listed on the tax returns. - Due Diligence Vendor-02/07/2025 | Months Reserves exceed minimum required - 161>3<br>Qualifying FICO score is at least 20 points above minimum for program - 765>700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3208954 |
| XXXX | 447 | XXXX D A | Closed | FCRE7497 | 2025-01-14 16:06 | 2025-02-07 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA taken from the tax returns. - Due Diligence Vendor-02/07/2025 <br> Counter-Received Mortgage Statement, Taxes and HOI. Provide a revised HOA statement reflecting the borrower name or address on the documentation to support the REO being used for qualification. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. Mortgage statement, property detail report (confirming annual taxes), HOI, and evidence of annual association dues for the property at XXXX located at XXXX<br> - Seller-01/28/2025 <br> Open-Missing complete PITIA validation for XXXX property. - Due Diligence Vendor-01/14/2025 | Ready for Review-Document Uploaded. Mortgage statement, property detail report (confirming annual taxes), HOI, and evidence of annual association dues for the property at XXXX located at XXXX<br> - Seller-01/28/2025 | Resolved-HOA taken from the tax returns. - Due Diligence Vendor-02/07/2025<br>| Months Reserves exceed minimum required - 161>3<br>Qualifying FICO score is at least 20 points above minimum for program - 765>700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3205864 |
| XXXX | 447 | XXXX D A | Closed | FCRE1297 | 2025-01-15 08:56 | 2025-02-07 10:53 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 6 Months Income Verified is Missing | Resolved-Received income documentaton. - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-01/28/2025 <br>Open-Income 6 Months Income Verified is Missing Missing evidence of PITI - Due Diligence Vendor-01/15/2025 |  | Resolved-Received income documentaton. - Due Diligence Vendor-03/13/2025<br>| Months Reserves exceed minimum required - 161>3<br>Qualifying FICO score is at least 20 points above minimum for program - 765>700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3208896 |
| XXXX | 447 | XXXX D A | Closed | FCRE8611 | 2025-01-14 15:56 | 2025-01-29 07:28 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received co borrower Pension Letter. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. Pension Award Letter for Borrower #2<br> - Buyer-01/28/2025 <br> Open-Missing pension awards letter dated XXXX supporting income considered in qualifying for B2. Additional conditions may apply. - Due Diligence Vendor-01/14/2025 |  | Resolved-Received co borrower Pension Letter. - Due Diligence Vendor-01/29/2025<br>| Months Reserves exceed minimum required - 161>3<br>Qualifying FICO score is at least 20 points above minimum for program - 765>700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3205744 |
| XXXX | 448 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 449 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 450 | XXXX D A | Closed | FCRE5782 | 2025-01-15 16:48 | 2025-05-23 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-01/27/2025 <br>Ready for Review-Document Uploaded. Fraud report and pg 2 is UDM/Gap report<br> - Seller-01/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing required gap report / credit refresh obtained within 10 days prior to closing. - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. Fraud report and pg 2 is UDM/Gap report<br> - Seller-01/23/2025<br>| Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-01/27/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX Min XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - FICO: 758 Min 700<br> Qualifying DTI below maximum allowed - DTI: 11.77% Max 50% <br> Months Reserves exceed minimum required - Reserves: 61 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3215212 |
| XXXX | 450 | XXXX D A | Closed | FCRE0070 | 2025-01-15 16:55 | 2025-01-30 11:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-01/30/2025 <br>Ready for Review-Document Uploaded. 1008 Uploaded - Seller-01/28/2025 <br>Counter-1008 is not attached. - Due Diligence Vendor-01/27/2025 <br>Ready for Review-1008 Uploaded<br>- Buyer-01/23/2025 <br>Open-Missing Approval/Underwriting Summary Missing Underwriting Transmittal Summary form 1008 - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. 1008 Uploaded - Seller-01/28/2025<br>| Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-01/30/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX Min XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - FICO: 758 Min 700<br> Qualifying DTI below maximum allowed - DTI: 11.77% Max 50% <br> Months Reserves exceed minimum required - Reserves: 61 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3215254 |
| XXXX | 450 | XXXX D A | Closed | FCRE1201 | 2025-01-15 16:48 | 2025-01-27 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Third Party Fraud Report . - Due Diligence Vendor-01/27/2025 <br>Ready for Review-Document Uploaded. Fraud report and pg 2 is UDM/Gap report<br> - Buyer-01/23/2025 <br>Open-Missing Third Party Fraud Report Missing required fraud report - Due Diligence Vendor-01/15/2025 |  | Resolved-Received Third Party Fraud Report . - Due Diligence Vendor-01/27/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX Min XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - FICO: 758 Min 700<br> Qualifying DTI below maximum allowed - DTI: 11.77% Max 50% <br> Months Reserves exceed minimum required - Reserves: 61 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3215216 |
| XXXX | 451 | XXXX D A | Closed | FCRE1152 | 2025-01-15 19:09 | 2025-01-23 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax verification. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-01/21/2025 <br> Open-Missing Evidence of Property Tax Missing lender calculation worksheet used to formulate the qualifying property taxes. Not stated on title report and tax worksheet is not completed; no reserves so impounds section is blank on Closing Disclosure. Appraisal shows annual taxes of XXXX which is reflected in this review pending clarification and/or supporting documentation. - Due Diligence Vendor-01/16/2025 |  | Resolved-Received tax verification. - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 779 Min 700<br> Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX Min XXXX<br> Months Reserves exceed minimum required - Reserves: 125 Min 3 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3216120 |
| XXXX | 451 | XXXX D A | Closed | FCRE5782 | 2025-01-15 20:02 | 2025-01-23 12:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing required gap report / credit refresh obtained within 10 days prior to closing. - Due Diligence Vendor-01/16/2025 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 779 Min 700<br> Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX Min XXXX<br> Months Reserves exceed minimum required - Reserves: 125 Min 3 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3216197 |
| XXXX | 451 | XXXX D A | Closed | FCRE5783 | 2025-01-15 20:02 | 2025-01-23 12:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/21/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing required gap report / credit refresh obtained within 10 days prior to closing. - Due Diligence Vendor-01/16/2025 |  | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 779 Min 700<br> Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX Min XXXX<br> Months Reserves exceed minimum required - Reserves: 125 Min 3 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3216198 |
| XXXX | 451 | XXXX D A | Closed | FCRE1201 | 2025-01-15 20:02 | 2025-01-23 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/21/2025 <br>Open-Missing Third Party Fraud Report Missing required Fraud Report - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/21/2025<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 779 Min 700<br> Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX Min XXXX<br> Months Reserves exceed minimum required - Reserves: 125 Min 3 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3216199 |
| XXXX | 452 | XXXX D A | Closed | FCRE0078 | 2025-01-15 12:23 | 2025-01-22 12:15 | Resolved | 1 - Information C A | Credit | Eligibility | Applied for New Credit on or before this loan application according to the 1003 declaration | Resolved-Received Final CD and revised 1003. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. Doc Uploaded - Buyer-01/21/2025 <br> Counter-Borrower purchased another property at the same time as subject transaction. Provide Final CD for additional REO and provide revised 1003 with REO added for XXXX. - Due Diligence Vendor-01/20/2025 <br> Ready for Review-Document Uploaded. memo regarding financing on another property - Buyer-01/17/2025 <br> Open-Borrower applied for New Credit on or before the loan application according to the 1003 declaration. - DCR No Ratios - Due Diligence Vendor-01/16/2025 |  | Resolved-Received Final CD and revised 1003. - Due Diligence Vendor-01/22/2025<br>| LTV is less than guideline maximum - 60% LTV is less than guideline maximum of 75%<br> Months Reserves exceed minimum required - XXXX Months Reserves exceed minimum required of 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3211407 |
| XXXX | 452 | XXXX D A | Closed | FCRE1204 | 2025-01-16 12:33 | 2025-01-22 12:12 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-01/22/2025 <br> Counter-Borrower purchased another property at the same time as subject transaction. Provide Final CD for additional REO and provide revised 1003 with REO added for XXXX. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. Settlement stmt and 1003 - Seller-01/22/2025 <br> Ready for Review-Document Uploaded. memo regarding financing on another property - Buyer-01/17/2025 <br> Open-Fraud Report Shows Uncleared Alerts:<br> - Potential current residence issue<br> - Potential Undisclosed Liability for Property<br> - Investment property alert<br> - Address Alert - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. Settlement stmt and 1003 - Seller-01/22/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-01/22/2025<br>| LTV is less than guideline maximum - 60% LTV is less than guideline maximum of 75%<br> Months Reserves exceed minimum required - XXXX Months Reserves exceed minimum required of 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3222200 |
| XXXX | 452 | XXXX D A | Closed | FCRE0700 | 2025-01-16 15:31 | 2025-01-20 08:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-01/20/2025 <br>Ready for Review-Document Uploaded. settlement stmt - Buyer-01/17/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing page out of 5 - Due Diligence Vendor-01/16/2025 |  | Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-01/20/2025<br>| LTV is less than guideline maximum - 60% LTV is less than guideline maximum of 75%<br> Months Reserves exceed minimum required - XXXX Months Reserves exceed minimum required of 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3225014 |
| XXXX | 453 | XXXX C A | Closed | FCRE1204 | 2025-01-16 13:46 | 2025-01-20 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received a revised Fraud Report and All Fraud Report Alerts have been cleared. - Due Diligence Vendor-01/20/2025 <br>Ready for Review-Document Uploaded. final fraudguard - Buyer-01/17/2025 <br>Open-Fraud Report Shows Uncleared Alerts; multiple alerts. - Due Diligence Vendor-01/16/2025 |  | Resolved-Received a revised Fraud Report and All Fraud Report Alerts have been cleared. - Due Diligence Vendor-01/20/2025<br>| LTV is less than guideline maximum - 60% LTV is less than guideline maximum of 75% for non-warrantable condo properties<br> Months Reserves exceed minimum required - XXXX Months Reserves exceed minimum required of 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3223511 |
| XXXX | 454 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 455 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 456 | XXXX C B A | Closed | FCRE1440 | 2025-01-17 17:54 | 2025-03-05 10:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator provided exception, which allows less than a 12-24 month housing history. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-03/13/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender exception granted for housing history < 12 months. - Due Diligence Vendor-01/17/2025 |  | Waived-Originator provided exception, which allows less than a XXXX month housing history. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-03/13/2025 | LTV is less than guideline maximum - Lender max LTV is 80%, subject LTV is 58.33%<br>Qualifying DTI below maximum allowed - Lender max DTI is 45%, borrower DTI is 24% | 1. Credit Score 810, Lender minimum FICO 660<br> 2. Low LTV of 59%, Lender max LTV 80%<br> 3. DTI 24%, lender max 45%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3235112 |
| XXXX | 456 | XXXX C B A | Closed | FCOM5135 | 2025-01-16 14:03 | 2025-03-05 09:14 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received blanket statement of no affiliates - Due Diligence Vendor-01/29/2025 |  | Resolved-Received blanket statement of no affiliates - Due Diligence Vendor-01/29/2025<br>| LTV is less than guideline maximum - Lender max LTV is 80%, subject LTV is 58.33%<br>Qualifying DTI below maximum allowed - Lender max DTI is 45%, borrower DTI is 24% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3223773 |
| XXXX | 457 | XXXX D B A | Closed | finding-3634 | 2025-01-16 10:34 | 2025-03-13 15:42 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC XXXX - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Seller-01/21/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by XXXX (Mortgage Broker Fee & Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. Supporting Docs Uploaded - Seller-01/21/2025<br>| Resolved-Received COC XXXX - Due Diligence Vendor-03/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 720.<br>Months Reserves exceed minimum required - 38 months PITIA reserves; 3 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3219513 |
| XXXX | 457 | XXXX D B A | Closed | FCRE1506 | 2025-01-21 10:56 | 2025-02-06 17:29 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. AVM - Buyer-01/27/2025 <br>Counter-1008 provided reflects DTI of 45.783%. Missing verification that borrower vacated/departure residence has at least 75% equity evidenced by an AVM, residential appraisal not more than 6 months old or by comparing the unpaid principal balance against the original purchase price of the property - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-01/21/2025 <br>Open-Missing verification that borrower vacated/departure residence has at least 75% equity evidenced by an AVM, residential appraisal not more than 6 months old or by comparing the unpaid principal balance against the original purchase price of the property. Audited DTI of 45.48% exceeds Guideline DTI of 45% Maximum DTI with LTV > 80% is 45% - Due Diligence Vendor-01/21/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-01/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 720.<br>Months Reserves exceed minimum required - 38 months PITIA reserves; 3 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3244613 |
| XXXX | 457 | XXXX D B A | Closed | FCRE1158 | 2025-01-23 07:32 | 2025-02-04 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received correct CD. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. Updated Docs to reflect correct HOI premium of XXXX - Please advise if anything additional is needed. - Seller-02/03/2025 <br> Open-Hazard Insurance Policy is only Partially Provided. Final CD reflects HOI monthly payment of XXXX. HOI policy in file reflects premium of XXXX. Provide reason for discrepancy and documentation to support the CD monthly payment. - Due Diligence Vendor-01/23/2025 | Ready for Review-Document Uploaded. Updated Docs to reflect correct HOI premium of XXXX - Please advise if anything additional is needed. - Seller-02/03/2025 | Resolved-Received correct CD. - Due Diligence Vendor-02/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 720.<br>Months Reserves exceed minimum required - 38 months PITIA reserves; 3 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3264541 |
| XXXX | 457 | XXXX D B A | Closed | FCRE1193 | 2025-01-20 09:02 | 2025-01-31 13:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-01/31/2025 <br>Counter-1008 provided reflects DTI of 45.783%. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Supporting Docs Uploaded / Updated Income Calc - we show DTI 45%<br> - Seller-01/21/2025 <br>Open-Audited DTI of 45.48% exceeds Guideline DTI of 45% Maximum DTI is 45% when LTV is greater than 80% - Due Diligence Vendor-01/20/2025 | Ready for Review-Document Uploaded. Supporting Docs Uploaded / Updated Income Calc - we show DTI 45%<br> - Seller-01/21/2025<br>| Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-01/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 720.<br>Months Reserves exceed minimum required - 38 months PITIA reserves; 3 months reserves required | Qualifying credit score 756; minimum required 720<br> 38 months PITIA reserves; 3 months reserves required | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 3237336 |
| XXXX | 457 | XXXX D B A | Closed | FCRE1964 | 2025-01-21 10:53 | 2025-01-27 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-AVM provided - XXXX value/XXXX UPB=62.37% LTV - Due Diligence Vendor-01/27/2025 <br> Ready for Review-Document Uploaded. AVM - Buyer-01/27/2025 <br> Counter-Provide documentation to support finding , Missing verification that borrower vacated/departure residence has at least 75% equity evidenced by an AVM, residential appraisal not more than 6 months old or by comparing the unpaid principal balance against the original purchase price of the property. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/21/2025 <br> Open-Missing verification that borrower vacated/departure residence has at least 75% equity evidenced by an AVM, residential appraisal not more than 6 months old or by comparing the unpaid principal balance against the original purchase price of the property.<br> Note: purchase price documented in file is XXXX and UPB as of the XXXX credit report balance XXXX = 86.9% LTV - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/21/2025<br>| Resolved-AVM provided - XXXX value/XXXX UPB=62.37% LTV - Due Diligence Vendor-01/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 720.<br>Months Reserves exceed minimum required - 38 months PITIA reserves; 3 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3244589 |
| XXXX | 457 | XXXX D B A | Closed | FCRE1505 | 2025-01-21 10:45 | 2025-01-24 14:17 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Upon further review, tradeline requirements met. - Due Diligence Vendor-01/24/2025 <br>Ready for Review-Document Uploaded. Please see guides for Tradeline Requirement - bottom of page 2 - See credit report Community First reporting for 25 Months as well \*\* 7.1 Trade Line Requirements<br> Nations Direct Mortgage allows for two options for qualifying trade line requirements. Each borrower must have three total trade lines reporting for a minimum of 12 months OR two tradelines reporting for a minimum of 24 months. One trade line must have been active within the last 12 months. If a borrower's spouse is the only coborrower listed, only one borrower is required to meet this guideline. Authorized user accounts may not be utilized to satisfy this requirement. The trade lines do not need to be open. - Seller-01/23/2025 <br>Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Guidelines require three trade lines reporting for a minimum of 12 months with activity in the last 12 months OR two trade lines reporting for a minimum of 24 months with activity in the last 12 months.<br> Borrower only has 1 trade line reporting for 14 months and 1 trade line reporting for 66 months that meet the guidelines. - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. Please see guides for Tradeline Requirement - bottom of page 2 - See credit report Community First reporting for 25 Months as well \*\* 7.1 Trade Line Requirements<br> XXXX allows for two options for qualifying trade line requirements. Each borrower must have three total trade lines reporting for a minimum of 12 months OR two tradelines reporting for a minimum of 24 months. One trade line must have been active within the last 12 months. If a borrower's spouse is the only coborrower listed, only one borrower is required to meet this guideline. Authorized user accounts may not be utilized to satisfy this requirement. The trade lines do not need to be open. - Seller-01/23/2025 | Resolved-Upon further review, tradeline requirements met. - Due Diligence Vendor-01/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 720.<br>Months Reserves exceed minimum required - 38 months PITIA reserves; 3 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3244466 |
| XXXX | 457 | XXXX D B A | Closed | FCRE1148 | 2025-01-20 08:18 | 2025-01-23 06:57 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received the Title Commitment. Title Coverage Amount of XXXX is sufficient. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. Title Commit - Updated - Buyer-01/22/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing verification that mortgagee insured amount is at least the loan amount of XXXX. - Due Diligence Vendor-01/20/2025 |  | Resolved-Received the Title Commitment. Title Coverage Amount of XXXX is sufficient. - Due Diligence Vendor-01/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 720.<br>Months Reserves exceed minimum required - 38 months PITIA reserves; 3 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3237077 |
| XXXX | 457 | XXXX D B A | Closed | FCRE9488 | 2025-01-20 09:09 | 2025-01-22 12:12 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Upon further review, this is a post close requirement. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. Docs uploaded - Seller-01/21/2025 <br> Open-Missing occupancy inspection verifying borrower is occupying as their primary residence within 45 days of closing per the Occupancy Inspection Notice signed by borrower and dated XXXX. - Due Diligence Vendor-01/20/2025 | Ready for Review-Document Uploaded. Docs uploaded - Seller-01/21/2025<br>| Resolved-Upon further review, this is a post close requirement. - Due Diligence Vendor-01/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 720.<br>Months Reserves exceed minimum required - 38 months PITIA reserves; 3 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3237362 |
| XXXX | 457 | XXXX D B A | Closed | finding-3652 | 2025-01-16 10:34 | 2025-01-22 07:31 | Resolved | 1 - Information B A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC 12/16/2024 - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Seller-01/21/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. Supporting Docs Uploaded - Seller-01/21/2025<br>| Resolved-Received COC XXXX - Due Diligence Vendor-01/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 756; minimum required 720.<br>Months Reserves exceed minimum required - 38 months PITIA reserves; 3 months reserves required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3219506 |
| XXXX | 458 | XXXX C B A | Closed | FPRO0012 | 2025-01-20 10:50 | 2025-03-05 10:09 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-01/20/2025 <br> Open-XXXX and continuing - Due Diligence Vendor-01/20/2025 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-01/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 778; Minimum required 720.<br>Months Reserves exceed minimum required - 30.69 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 59.89%; Max 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3238340 |
| XXXX | 458 | XXXX C B A | Closed | FCRE0008 | 2025-01-20 10:54 | 2025-01-29 13:45 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-rule action - false - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. LOX Uploaded - Buyer-01/21/2025 <br> Open-Final CD reflects prepayment penalty of XXXX. Calculated prepayment penalty based on prepay rider is XXXX. - Due Diligence Vendor-01/20/2025 |  | Resolved-rule action - false - Due Diligence Vendor-01/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 778; Minimum required 720.<br>Months Reserves exceed minimum required - 30.69 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 59.89%; Max 75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3238390 |
| XXXX | 458 | XXXX C B A | Closed | FPRO0011 | 2025-01-20 10:05 | 2025-01-27 16:38 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received Post Disaster Inspection. Free and Clear of any damages. - Due Diligence Vendor-01/27/2025 <br> Ready for Review-Document Uploaded. Disaster inspection report - Buyer-01/24/2025 <br> Open-XXXX and continuing; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-01/20/2025 |  | Resolved-Received Post Disaster Inspection. Free and Clear of any damages. - Due Diligence Vendor-01/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 778; Minimum required 720.<br>Months Reserves exceed minimum required - 30.69 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 59.89%; Max 75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3237863 |
| XXXX | 458 | XXXX C B A | Closed | FCRE1176 | 2025-01-20 09:40 | 2025-01-22 13:20 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Received Post Close settlement statement. Disbursement date is XXXX - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. Please see our final statement and final seller cd. Disbursement Date date is XXXX,which is after the Open-HO-6 Insurance Policy Effective Date of XXXX .<br> - Buyer-01/21/2025 <br> Open-HO-6 Insurance Policy Effective Date of XXXX is after the Note Date of XXXX Per Final CD loan Disbursement Date was XXXX prior to the HOI effective date. - Due Diligence Vendor-01/20/2025 |  | Resolved-Received Post Close settlement statement. Disbursement date is XXXX - Due Diligence Vendor-01/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 778; Minimum required 720.<br>Months Reserves exceed minimum required - 30.69 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 59.89%; Max 75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3237633 |
| XXXX | 459 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 460 | XXXX C B A | Closed | FCRE8201 | 2025-01-20 11:57 | 2025-03-05 10:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted and in file, waiver applied to non material finding with compensating factors. - Due Diligence Vendor-01/20/2025 <br>Open-Approved exception for property recently listed for sale - Due Diligence Vendor-01/20/2025 |  | Waived-Client exception granted and in file, waiver applied to non material finding with compensating factors. - Due Diligence Vendor-01/20/2025<br>| Months Reserves exceed minimum required - 178 months PITIA reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 776; minimum required 720 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3238964 |
| XXXX | 460 | XXXX C B A | Closed | FCRE1194 | 2025-01-20 12:09 | 2025-01-20 13:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted and in file, waiver applied to non material finding with compensating factors. - Due Diligence Vendor-01/20/2025 <br> Open-Audited LTV of 77.4% exceeds Guideline LTV of 75% LTV calculated using listing price of XXXX at the time the listing was withdrawn on XXXX. Per guidelines the lesser of the listing price or appraised value must be used to calculate LTV when the property has been listed within the last 3 months of the application date. - Due Diligence Vendor-01/20/2025 |  | Waived-Client exception granted and in file, waiver applied to non material finding with compensating factors. - Due Diligence Vendor-01/20/2025<br>| Months Reserves exceed minimum required - 178 months PITIA reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 776; minimum required 720 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3239097 |
| XXXX | 461 | XXXX D A | Closed | FCRE0070 | 2025-01-20 12:20 | 2025-01-23 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/21/2025 <br>Open-Missing Approval/Underwriting Summary No approval or 1008 in loan file - Due Diligence Vendor-01/20/2025 |  | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 780<br>Months Reserves exceed minimum required - Min 3, actual 136.83 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3239252 |
| XXXX | 461 | XXXX D A | Closed | FCRE0043 | 2025-01-20 12:17 | 2025-01-23 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/21/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing DSCR Calc - Due Diligence Vendor-01/20/2025 |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 780<br>Months Reserves exceed minimum required - Min 3, actual 136.83 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3239216 |
| XXXX | 461 | XXXX D A | Closed | FCRE1201 | 2025-01-20 12:15 | 2025-01-23 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/21/2025 <br>Open-Missing Third Party Fraud Report Missing Fraud Rep - Due Diligence Vendor-01/20/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 780<br>Months Reserves exceed minimum required - Min 3, actual 136.83 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3239171 |
| XXXX | 462 | XXXX D A | Closed | FCRE1201 | 2025-01-21 04:17 | 2025-01-23 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/21/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/21/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-01/23/2025<br>| Months Reserves exceed minimum required - 137 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 65.50%; Max 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 780; Minimum required 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3242329 |
| XXXX | 462 | XXXX D A | Closed | FCRE0070 | 2025-01-21 04:25 | 2025-01-23 12:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/21/2025 <br>Open-Missing Approval/Underwriting Summary Missing Approval / Underwriting Summary 1008. - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/21/2025<br>| Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-01/23/2025<br>| Months Reserves exceed minimum required - 137 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 65.50%; Max 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 780; Minimum required 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3242347 |
| XXXX | 462 | XXXX D A | Closed | FCRE0043 | 2025-01-21 04:20 | 2025-01-23 12:21 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/21/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing lender DSCR calculation worksheet. - Due Diligence Vendor-01/21/2025 |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-01/23/2025<br>| Months Reserves exceed minimum required - 137 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 65.50%; Max 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 780; Minimum required 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3242336 |
| XXXX | 462 | XXXX D A | Closed | FCRE7009 | 2025-01-21 04:14 | 2025-01-23 12:19 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. LOX for RCE and supporting doc - Buyer-01/22/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. HOI coverage minimum requirement is 80% of loan amount or RCE is required. - Due Diligence Vendor-01/21/2025 |  | Resolved-Received RCE - Due Diligence Vendor-01/23/2025<br>| Months Reserves exceed minimum required - 137 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 65.50%; Max 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Credit Score 780; Minimum required 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3242323 |
| XXXX | 463 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 464 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 465 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 466 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 467 | XXXX C B A | Closed | FCRE1440 | 2025-01-21 14:33 | 2025-01-30 13:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-01/30/2025 <br>Counter-Received Lender exception for rent free letter not from non borrowing spouse, however need exception to allow no history on an investment purchase. - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. See attached Lock Confirmation for Exception along with eRESI email - Buyer-01/28/2025 <br>Counter-Borrowers living rent-free with any person other than a non-borrowing spouse are not eligible and no history is restricted to primary residences only. - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. Rent free letter - Buyer-01/23/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Final 1003 indicates No Primary Housing Expense, but no Rent Free Letter provided. - Due Diligence Vendor-01/21/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-01/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 771>700<br>Months Reserves exceed minimum required - 10>6 | FICO 771>700<br> Reserves 10>6 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3247337 |
| XXXX | 467 | XXXX C B A | Closed | FCRE1148 | 2025-01-21 14:04 | 2025-01-23 14:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received the Title Commitment and Title Coverage Amount of XXXX is sufficient . - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. Title commitment with correct loan amount - Buyer-01/22/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is insufficient - must equal or exceed loan amount. - Due Diligence Vendor-01/21/2025 |  | Resolved-Received the Title Commitment and Title Coverage Amount of XXXX is sufficient . - Due Diligence Vendor-01/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - 771>700<br>Months Reserves exceed minimum required - 10>6 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3247016 |
| XXXX | 468 | XXXX D A | Closed | FCRE0070 | 2025-01-21 17:20 | 2025-02-14 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received Approval/Underwriting Summary. - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. 1008 included in attached - Seller-01/30/2025 <br>Counter-Approval is Ineligible. Provide the 1008 or lenders approval. - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. AUS starts page 16 - Buyer-01/27/2025 <br>Open-Missing Approval/Underwriting Summary AUS Missing for Agency Loan - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. 1008 included in attached - Seller-01/30/2025<br>| Resolved-Received Approval/Underwriting Summary. - Due Diligence Vendor-01/31/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX<br> Months Reserves exceed minimum required - Months Reserves 34 exceed minimum required 3. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3249306 |
| XXXX | 468 | XXXX D A | Closed | FCRE5786 | 2025-01-28 13:32 | 2025-02-12 07:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Resolved-Received unfrozen Gap Report. - Due Diligence Vendor-02/12/2025 <br>Counter-Provide Gap report not frozen, due to the Gap report credit report has 2 more revolving debts and an 1 additional student loan (variance from the origination credit report). - Due Diligence Vendor-02/04/2025 <br>Open-Borrower 1 Gap Credit Report is frozen. - Due Diligence Vendor-01/28/2025 |  | Resolved-Received unfrozen Gap Report. - Due Diligence Vendor-02/12/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX<br> Months Reserves exceed minimum required - Months Reserves 34 exceed minimum required 3. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3298911 |
| XXXX | 468 | XXXX D A | Closed | FCRE1440 | 2025-01-22 08:36 | 2025-02-12 07:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit report with 12 month payment history. - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. Credit - Buyer-01/27/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing payment history for primary - missing credit. - Due Diligence Vendor-01/22/2025 |  | Resolved-Received credit report with 12 month payment history. - Due Diligence Vendor-01/28/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX<br> Months Reserves exceed minimum required - Months Reserves 34 exceed minimum required 3. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3251766 |
| XXXX | 468 | XXXX D A | Closed | FCRE5770 | 2025-01-21 17:07 | 2025-02-12 07:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received borrower 1 Credit Report. - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. Credit - Buyer-01/27/2025 <br>Open-Borrower 1 Credit Report is Missing. Credit report used to qualify borrower is not found in documents provided by lender. - Due Diligence Vendor-01/21/2025 |  | Resolved-Received borrower 1 Credit Report. - Due Diligence Vendor-01/28/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX<br> Months Reserves exceed minimum required - Months Reserves 34 exceed minimum required 3. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3249207 |
| XXXX | 468 | XXXX D A | Closed | FCRE5782 | 2025-01-21 17:07 | 2025-02-12 07:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received borrower 1 Gap Credit Report. - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. Credit refresh with updated mortgage pay history (for housing history condition) - Seller-01/27/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing credit gap report within 10 days of Note date. - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. Credit refresh with updated mortgage pay history (for housing history condition) - Seller-01/27/2025<br>| Resolved-Received borrower 1 Gap Credit Report. - Due Diligence Vendor-01/28/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX<br> Months Reserves exceed minimum required - Months Reserves 34 exceed minimum required 3. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3249208 |
| XXXX | 468 | XXXX D A | Closed | FCRE1491 | 2025-01-21 17:11 | 2025-02-12 07:08 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received additional asset statements. - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. Revised 1008 and 1003; additional assets if not already on file - Seller-01/30/2025 <br>Counter-Provide a revised 1003 and 1008 with all assets used to qualify. - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. Assets - Seller-01/27/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Missing Assets - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. Revised 1008 and 1003; additional assets if not already on file - Seller-01/30/2025 <br>Ready for Review-Document Uploaded. Assets - Seller-01/27/2025<br>| Resolved-Received additional asset statements. - Due Diligence Vendor-01/31/2025<br>| Residual Income =/> 1.5 timesXXXX monthly residual income - Residual Income: XXXX<br> Months Reserves exceed minimum required - Months Reserves 34 exceed minimum required 3. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3249233 |
| XXXX | 468 | XXXX D A | Closed | FCRE1467 | 2025-01-22 08:38 | 2025-02-12 07:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | Resolved-Received additional asset statements. - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. Revised 1008 and 1003; additional assets if not already on file - Seller-01/30/2025 <br>Counter-Provide a revised 1003 and 1008 with all assets used to qualify. - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. Assets - Seller-01/27/2025 <br>Open-Asset 1 Missing Missing Assets - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. Revised 1008 and 1003; additional assets if not already on file - Seller-01/30/2025 <br>Ready for Review-Document Uploaded. Assets - Seller-01/27/2025<br>| Resolved-Received additional asset statements. - Due Diligence Vendor-01/31/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX<br> Months Reserves exceed minimum required - Months Reserves 34 exceed minimum required 3. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3251793 |
| XXXX | 468 | XXXX D A | Closed | FCRE1479 | 2025-01-22 08:38 | 2025-02-12 07:08 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received additional asset statements. - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. Revised 1008 and 1003; additional assets if not already on file - Seller-01/30/2025 <br>Counter-Provide a revised 1003 and 1008 with all assets used to qualify. - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. Assets - Buyer-01/27/2025 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Missing Assets - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. Revised 1008 and 1003; additional assets if not already on file - Seller-01/30/2025<br>| Resolved-Received additional asset statements. - Due Diligence Vendor-01/31/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income:XXXX<br> Months Reserves exceed minimum required - Months Reserves 34 exceed minimum required 3. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3251792 |
| XXXX | 468 | XXXX D A | Closed | FCRE9992 | 2025-01-21 17:08 | 2025-02-04 12:41 | Resolved | 1 - Information C A | Credit | Income/Employment | Expense letter missing | Resolved-updated credit provided. Debts updated. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. Credit refresh showing new accounts reporting. XXXX was two inquiries same date for same account, only one XXXX was opened. - Buyer-02/03/2025 <br> Open- Missing additional new account statements for debt obtained per letter of explanation for credit inquiries, which reflects 6 new accounts but only 2 statements provided. - Due Diligence Vendor-01/21/2025 |  | Resolved-updated credit provided. Debts updated. - Due Diligence Vendor-02/04/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX<br> Months Reserves exceed minimum required - Months Reserves 34 exceed minimum required 3. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3249221 |
| XXXX | 468 | XXXX D A | Closed | FCRE8888 | 2025-01-21 17:23 | 2025-01-28 13:35 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received the Note. - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. Note Uploaded - Seller-01/27/2025 <br>Open-Note is missing - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. Note Uploaded - Seller-01/27/2025<br>| Resolved-Received the Note. - Due Diligence Vendor-01/28/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX<br> Months Reserves exceed minimum required - Months Reserves 34 exceed minimum required 3. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3249328 |
| XXXX | 468 | XXXX D A | Closed | FCRE1116 | 2025-01-17 16:43 | 2025-01-28 13:23 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Received copy of the Note. Security Instrument Date matches Note Date - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. Note Uploaded - Seller-01/27/2025 <br>Open-Security Instrument Date does not match the Note Date Note is missing, finding added. - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. Note Uploaded - Seller-01/27/2025<br>| Resolved-Received copy of the Note. Security Instrument Date matches Note Date - Due Diligence Vendor-01/28/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX<br> Months Reserves exceed minimum required - Months Reserves 34 exceed minimum required 3. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3234676 |
| XXXX | 469 | XXXX D B A | Closed | FCRE7009 | 2025-01-22 11:11 | 2025-02-18 06:52 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Updated HOI received with updated premium. - Due Diligence Vendor-02/18/2025 <br> Counter-Received HOI w/insufficient coverage. Please provide the premium for new policy with XXXX coverage. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-02/11/2025 <br> Counter-Policy with sufficient coverage provided, however it does not disclose the annual premium. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. HOI XXXX Uploaded<br> - Buyer-02/05/2025 <br> Counter-Hazard insurance coverage provided is not sufficient. Coverage is XXXX and the RCE replacement cost is XXXX. - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/28/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Missing satisfactory documentation which evidences sufficient dwelling coverage for subject that meets guidelines. Current coverage XXXX; Replacement Cost Estimator reflects coverage required for rebuild is XXXX, Per XXXX Section 11.2 "The coverage must provide for claims to be settled on a replacement cost basis.." - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-01/28/2025<br>| Resolved-Updated HOI received with updated premium. - Due Diligence Vendor-02/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 801 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - Reserves: 73 Min 12 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3253581 |
| XXXX | 469 | XXXX D B A | Closed | FCRE1440 | 2025-01-22 11:14 | 2025-02-07 13:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client provided a waiver for private party VOR, applied to non material finding with reviewed comp factors - 801 FICO > 700. 75.62 months reserves > 12 months minimum required. - Due Diligence Vendor-02/07/2025 <br>Ready for Review-Document Uploaded. exception for VOR Uploaded<br> - Seller-02/05/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing evidence of 12 months primary housing expense as borrower rents from a private individual. EXCEPTION: Approved Private VOR w/o 12 months rental payment history - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. exception for VOR Uploaded<br> - Seller-02/05/2025<br>| Waived-Client provided a waiver for private party VOR, applied to non material finding with reviewed comp factors - 801 FICO > 700. 75.62 months reserves > 12 months minimum required. - Due Diligence Vendor-02/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 801 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - Reserves: 73 Min 12 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 3253609 |
| XXXX | 469 | XXXX D B A | Closed | FCRE5770 | 2025-01-22 11:14 | 2025-01-30 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-01/30/2025 <br>Ready for Review-Document Uploaded. Credit Report Uploaded - Buyer-01/28/2025 <br>Open-Borrower 1 Credit Report is Missing. Missing required credit report. - Due Diligence Vendor-01/22/2025 |  | Resolved-Received Credit Report. - Due Diligence Vendor-01/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 801 is at least 20 points above minimum for program 700.<br>Months Reserves exceed minimum required - Reserves: 73 Min 12 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3253610 |
| XXXX | 470 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 471 | XXXX D A | Closed | FCRE1510 | 2025-01-22 11:45 | 2025-01-29 14:17 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received revised Mortgage dated and signed. - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. Corrected DOT prior to recording - Buyer-01/28/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Borrower did not date DOT as required by signature line. - Due Diligence Vendor-01/22/2025 |  | Resolved-Received revised Mortgage dated and signed. - Due Diligence Vendor-01/29/2025<br>| Qualifying DTI below maximum allowed - 34.58%<45%<br>Long term residence - 11 years at previous rental. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3254252 |
| XXXX | 471 | XXXX D A | Closed | FCRE6873 | 2025-01-22 13:54 | 2025-01-27 14:48 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-fraud report provided with all alerts cleared. - Due Diligence Vendor-01/27/2025 <br>Ready for Review-Document Uploaded. Fraud Report<br> - Seller-01/23/2025 <br>Open-Missing validation from lender. - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. Fraud Report<br> - Seller-01/23/2025<br>| Resolved-fraud report provided with all alerts cleared. - Due Diligence Vendor-01/27/2025<br>| Qualifying DTI below maximum allowed - 34.58%<45%<br>Long term residence - 11 years at previous rental. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3256311 |
| XXXX | 471 | XXXX D A | Closed | FCRE4104 | 2025-01-22 17:32 | 2025-01-27 14:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-The guides indicates large deposits need to be sourced when they are considerable greater than the average balance. Average balance is XXXX. - Due Diligence Vendor-01/27/2025 <br> Ready for Review-Document Uploaded. Large deposit LOX - Seller-01/24/2025 <br> Open-Missing source of 2 XXXX deposits into XXXX - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. Large deposit LOX - Seller-01/24/2025<br>| Resolved-The guides indicates large deposits need to be sourced when they are considerable greater than the average balance. Average balance is XXXX. - Due Diligence Vendor-01/27/2025 | Qualifying DTI below maximum allowed - 34.58%<45%<br>Long term residence - 11 years at previous rental. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3258893 |
| XXXX | 471 | XXXX D A | Closed | FCRE0360 | 2025-01-22 13:28 | 2025-01-27 14:42 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Tenant ledger and pay history spreadsheet confirms and 0x30x12 pay history. - Due Diligence Vendor-01/27/2025 <br>Ready for Review-Document Uploaded. VOR LOX - Buyer-01/24/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing acceptable VOR reflecting 0x30 in past 12 months. Received only tenant ledger/transaction printout. - Due Diligence Vendor-01/22/2025 |  | Resolved-Tenant ledger and pay history spreadsheet confirms and 0x30x12 pay history. - Due Diligence Vendor-01/27/2025<br>| Qualifying DTI below maximum allowed - 34.58%<45%<br>Long term residence - 11 years at previous rental. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3255814 |
| XXXX | 471 | XXXX D A | Closed | FCRE1248 | 2025-01-22 13:10 | 2025-01-27 14:38 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Non-arms length explanation provided. - Due Diligence Vendor-01/27/2025 <br>Ready for Review-Document Uploaded. Non Arm U/W LOX - Seller-01/24/2025 <br>Open-Non-Arm's Length Transactions Not Allowed for Program Missing confirmation arms length transaction. Appraisal notes non-arms length. Must meet specific relationship terms per guidelines to be an eligible non-arms length transaction. Additional conditions may apply. - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. Non Arm U/W LOX - Seller-01/24/2025<br>| Resolved-Non-arms length explanation provided. - Due Diligence Vendor-01/27/2025<br>| Qualifying DTI below maximum allowed - 34.58%<45%<br>Long term residence - 11 years at previous rental. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3255529 |
| XXXX | 472 | XXXX D A | Closed | FPRO0012 | 2025-01-22 13:42 | 2025-02-04 13:09 | Resolved | 1 - Information B A | Property | Property | FEMA disaster declared PUBLIC ONLY | Resolved-PDI with an inspection date of XXXX provided. No damage. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. Post Disaster Inspection Report - Seller-02/03/2025 <br> Open-XXXX, incidentXXXX and continuing. Public assistance - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. Post Disaster Inspection Report - Seller-02/03/2025<br>| Resolved-PDI with an inspection date of XXXX provided. No damage. - Due Diligence Vendor-02/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 758; minimum required 720<br>Months Reserves exceed minimum required - 70 months PITIA reserves; 3 months reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3256049 |
| XXXX | 472 | XXXX D A | Closed | FPRO0011 | 2025-01-22 13:42 | 2025-02-04 13:09 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-PDI with an inspection date of XXXX provided. No damage. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. Post Disaster Inspection Report - Seller-02/03/2025 <br> Open-XXXX and continuing. Individual assistance - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. Post Disaster Inspection Report - Seller-02/03/2025<br>| Resolved-PDI with an inspection date of XXXX provided. No damage. - Due Diligence Vendor-02/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 758; minimum required 720<br>Months Reserves exceed minimum required - 70 months PITIA reserves; 3 months reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3256040 |
| XXXX | 472 | XXXX D A | Closed | FCRE1728 | 2025-01-22 12:53 | 2025-02-03 13:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received 1007 - Due Diligence Vendor-02/03/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-01/30/2025 <br>Open-Not found in file - Due Diligence Vendor-01/22/2025 |  | Resolved-Received 1007 - Due Diligence Vendor-02/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 758; minimum required 720<br>Months Reserves exceed minimum required - 70 months PITIA reserves; 3 months reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3255290 |
| XXXX | 472 | XXXX D A | Closed | FPRO1242 | 2025-01-22 13:36 | 2025-02-03 13:48 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal w/1007 - Due Diligence Vendor-02/03/2025 <br>Ready for Review-Document Uploaded. appraisal uploaded - Buyer-01/30/2025 <br>Open-Appraisal is Missing Not found in file - Due Diligence Vendor-01/22/2025 |  | Resolved-Received Appraisal w/1007 - Due Diligence Vendor-02/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 758; minimum required 720<br>Months Reserves exceed minimum required - 70 months PITIA reserves; 3 months reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3255943 |
| XXXX | 472 | XXXX D A | Closed | FCRE1155 | 2025-01-22 13:13 | 2025-02-03 13:44 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Received Documentation to support the city address. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. LOE Uploaded - Seller-01/30/2025 <br> Open-Subject Property on Note does not match Insured Property Address City on hazard declarations page is XXXXy and city on note is XXXX - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. LOE Uploaded - Seller-01/30/2025<br>| Resolved-Received Documentation to support the city address. - Due Diligence Vendor-02/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 758; minimum required 720<br>Months Reserves exceed minimum required - 70 months PITIA reserves; 3 months reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3255581 |
| XXXX | 473 | XXXX C B A | Closed | FCRE2244 | 2025-01-22 13:39 | 2025-05-23 11:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/13/2025 <br> Open-Property Issues are identified for the property - Transferred Appraisal must be order through an AMC. <br> - Exception Approved: To use Appraisal not ordered through an AMC, but ordered through the Lender's Appraisal Division. - Due Diligence Vendor-01/22/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/13/2025<br>| Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 11 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 772 is more than 20 points higher than the guideline minimum 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 44.971 is lower than the guideline max of 50. | -Credit; 772 (760 MINIMUM)<br> - Reserves: 11 (6 MONTH MIN)<br> - Residual Income: $15K ($1500 MIN) |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 3256005 |
| XXXX | 473 | XXXX C B A | Closed | finding-3635 | 2025-01-21 15:09 | 2025-02-03 10:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD 1/30/2025. Finding resolved. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. this is CA loan. Please find attached PCCD reflecting no cure required. Thanks! - Seller-01/31/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Ten (10%) tolerance fees (Recording fees) increased by $79.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX<br> - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. this is XXXX loan. Please find attached PCCD reflecting no cure required. Thanks! - Seller-01/31/2025 | Resolved-Received PCCD XXXX. Finding resolved. - Due Diligence Vendor-02/03/2025 | Months Reserves exceed minimum required - Guides require 6 months reserves and the borrower has 11 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 772 is more than 20 points higher than the guideline minimum 720.<br>Qualifying DTI below maximum allowed - Qualifying DTI 44.971 is lower than the guideline max of 50. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3247710 |
| XXXX | 474 | XXXX D A | Closed | FCRE1506 | 2025-01-24 14:13 | 2025-03-13 09:47 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received all missing documents - Due Diligence Vendor-02/14/2025 <br>Ready for Review-All should be good at this point- other loan has all conditions submitted<br> - Seller-02/13/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing all lease agreements for REO 3b and 3c as reflected on the Final 1003. Missing documentation to confirm B1 business is open and active. - Due Diligence Vendor-01/24/2025 | Ready for Review-All should be good at this point- other loan has all conditions submitted<br> - Seller-02/13/2025<br>| Resolved-Received all missing documents - Due Diligence Vendor-02/14/2025<br>| Months Reserves exceed minimum required - 8 months vs. 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - 731 vs. minimum 680 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3278912 |
| XXXX | 474 | XXXX D A | Closed | FCRE1345 | 2025-01-24 14:11 | 2025-02-14 15:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Income was not used. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. XXXX was only completed in December. There was no lease. - Seller-02/13/2025 <br> Counter-XXXX - XXXX - XXXX- Due Diligence Vendor-02/10/2025 <br> Ready for Review-Please specify which addresses you are looking for. XXXX and XXXX i'm unsure what they coorelate to? - Seller-02/06/2025 <br> Open-Borrower 1 Lease Agreements Missing Provide all lease agreements for REO XXXX and XXXX as listed on the final 1003. Loan file only contained lease for "XXXX". Additional conditions may apply. - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. XXXX was only completed in XXXX. There was no lease. - Seller-02/13/2025 <br> Ready for Review-Please specify which addresses you are looking for. XXXX and XXXX i'm unsure what they coorelate to? - Seller-02/06/2025 | Resolved-Income was not used. - Due Diligence Vendor-02/14/2025<br>| Months Reserves exceed minimum required - 8 months vs. 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - 731 vs. minimum 680 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3278884 |
| XXXX | 474 | XXXX D A | Closed | FCRE1316 | 2025-01-24 11:51 | 2025-02-10 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Secretary of State. - Due Diligence Vendor-02/10/2025 <br>Ready for Review-Document Uploaded. - Seller-02/06/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd party verification that the business is in existence, in good standing and active is required per guidelines.<br> - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025<br>| Resolved-Received Secretary of State. - Due Diligence Vendor-02/10/2025<br>| Months Reserves exceed minimum required - 8 months vs. 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - 731 vs. minimum 680 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3277004 |
| XXXX | 475 | XXXX D A | Closed | FCRE1324 | 2025-01-27 17:29 | 2025-02-20 14:14 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received borrower 1 Tax Returns Signed. - Due Diligence Vendor-01/30/2025 <br>Ready for Review-Document Uploaded. business and personal returns at time of closing. - Seller-01/29/2025 <br>Open-Borrower 1 Tax Returns Not Signed Tax returns not signed - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. business and personal returns at time of closing. - Seller-01/29/2025<br>| Resolved-Received borrower 1 Tax Returns Signed. - Due Diligence Vendor-01/30/2025<br>| Months Reserves exceed minimum required - 265.74 Months Reserves exceed minimum required of 9 months<br>Qualifying FICO score is at least 20 points above minimum for program - 785 Qualifying FICO score is at least 20 points above minimum for program of 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3291608 |
| XXXX | 475 | XXXX D A | Closed | FCRE1193 | 2025-01-30 12:43 | 2025-02-20 14:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received schedule E documentation and reevaluated REO income. Audited DTI of 44.06% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. See attached: Tax Returns with Schedule E. As well as signature pages. Page 34 is Schedule E - Seller-02/18/2025 <br> Counter-XXXX PITI=XXXX HOA=XXXX Total =XXXX<br> XXXX PITI=XXXX XXXX HOA Total =XXXX (No rent was used to qualify) Per your income worksheets income was calculated using schedule E. Please provide signed Schedule E returns for both REO's so we can reevaluate the income. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. please provide your rental income calculations for documentation for XXXX? Our calculations are attached. - Seller-02/12/2025 <br> Counter-Income documentation for XXXX and XXXX was not located in the loan file. - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. - Uncertain regarding the source of the reviewer's figure of XXXX for other REO loss. We have matched all their income figures except for this particular item. <br>The attached REO worksheets indicate that other REO has a positive income of XXXX, which is derived from the following:<br> - XXXX Del Mar: XXXX<br> - XXXX: $-231. - Buyer-02/07/2025 <br> Counter-Reviewed DTI Calc - XXXX total income, XXXX Primary, XXXX subject negative rent, XXXX other REO loss and XXXX in consumer debt. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. Please see attached comments in final column<br> - Buyer-02/03/2025 <br> Open-Audited DTI of 58.71% exceeds Guideline DTI of 45%, due to mortgage statements provided and REO PITI payments included in total DTI ratio. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. See attached: Tax Returns with Schedule E. As well as signature pages. Page 34 is Schedule E - Seller-02/18/2025 <br> Ready for Review-Document Uploaded. please provide your rental income calculations for documentation for XXXX and XXXX? Our calculations are attached. - Seller-02/12/2025 | Resolved-Received schedule E documentation and reevaluated REO income. Audited DTI of 44.06% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-02/20/2025<br>| Months Reserves exceed minimum required - XXXX Months Reserves exceed minimum required of 9 months<br> Qualifying FICO score is at least 20 points above minimum for program - 785 Qualifying FICO score is at least 20 points above minimum for program of 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3318217 |
| XXXX | 475 | XXXX D A | Closed | FCRE7497 | 2025-01-27 17:32 | 2025-02-20 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Soft Credit Pull with 12 month history for all mortgages. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. See Attached: Soft Pull credit report was pulled to reflect all REO's mortgage history. . All are current, no lates and reporting accurately. One of the mortgages is with XXXX but was bought out by XXXX so account number on mortgage statement does not match but payment does.<br> - Buyer-02/19/2025 <br> Counter-Yes XXXX requires pay history up to the date of application and must be current at closing. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. XXXX guidelines were approved by XXXX for underwriting. Is this an overlay required by XXXX? - Buyer-02/12/2025 <br> Counter-Received XXXX guidelines, however the XXXX guidelines state - Verification needs to reflect pay history up to the date of application and must be current at closing - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. - Our product guidelines do not stipulate that all mortgage histories must be updated prior to closing. We adhere to XXXX policy, which accepts the borrower's credit report as sufficient for the status of all mortgage accounts. The lender is not obligated to independently verify the mortgage payment history, provided that the credit report includes a reference to the mortgage and reflects the most recent 12 months of payment activity. The credit report is considered current, as it is no more than four months old on the note date. Please refer to the selling guide B3-5.3-03, Previous Mortgage Payment History. - Seller-02/07/2025 <br> Counter-Please provide documentation to support XXXX, XXXX we paid prior to close for all REO's. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. Please see attached comments in final column<br> - Seller-02/03/2025 <br> Counter-Verified all mortgage payments from statements and have been updated. However need 12 month payment history for all REO properties up to closing (0x30). - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. 1. Three REO's have taxes and insurance escrowed, and this is confirmed with mortgage statements in file at time of closing, see attached. <br> 2. HOA letter attached confirming no HOA Dues for two properties <br> 3. HOA dues for XXXX, see attached. <br> 4. Mortgage statements are not required to be dated within 30 days of application date. <br> App date XXXX and mtg statements XXXX and XXXX and info matches credit report. - Seller-01/29/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property; missing current verification of properties within the last 30 days. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Our product guidelines do not stipulate that all mortgage histories must be updated prior to closing. We adhere to XXXX policy, which accepts the borrower's credit report as sufficient for the status of all mortgage accounts. The lender is not obligated to independently verify the mortgage payment history, provided that the credit report includes a reference to the mortgage and reflects the most recent 12 months of payment activity. The credit report is considered current, as it is no more than four months old on the note date. Please refer to the selling guide XXXX, Previous Mortgage Payment History. - Seller-02/07/2025 <br> Ready for Review-Document Uploaded. Please see attached comments in final column<br> - Seller-02/03/2025 <br> Ready for Review-Document Uploaded. 1. Three REO's have taxes and insurance escrowed, and this is confirmed with mortgage statements in file at time of closing, see attached. <br> 2. HOA letter attached confirming no HOA Dues for two properties <br> 3. HOA dues for XXXX, see attached. <br> 4. Mortgage statements are not required to be dated within 30 days of application date. <br> App date XXXX and mtg statements XXXX and XXXX and info matches credit report. - Seller-01/29/2025 | Resolved-Received Soft Credit Pull with 12 month history for all mortgages. - Due Diligence Vendor-02/20/2025<br>| Months Reserves exceed minimum required - XXXX Months Reserves exceed minimum required of 9 months<br> Qualifying FICO score is at least 20 points above minimum for program - 785 Qualifying FICO score is at least 20 points above minimum for program of 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3291626 |
| XXXX | 475 | XXXX D A | Closed | FCOM1352 | 2025-01-27 17:09 | 2025-02-07 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Loan file contains the occupancy statement. - Due Diligence Vendor-02/07/2025 <br>Ready for Review-Document Uploaded. Investor waiver - Seller-02/07/2025 <br>Counter-Guidelines state A signed Business Purpose & Occupancy Affidavit is required on all investment property transactions. - Due Diligence Vendor-02/05/2025 <br>Ready for Review-Document Uploaded. Business cert is not required on a purchase. It is only required on investment cash out refinance.<br> - Buyer-02/03/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing BP Cert - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. Investor waiver - Seller-02/07/2025<br>| Resolved-Loan file contains the occupancy statement. - Due Diligence Vendor-02/07/2025<br>| Months Reserves exceed minimum required - XXXX Months Reserves exceed minimum required of 9 months<br> Qualifying FICO score is at least 20 points above minimum for program - 785 Qualifying FICO score is at least 20 points above minimum for program of 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3291201 |
| XXXX | 476 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 477 | XXXX C B A | Closed | FCRE3333 | 2025-01-29 08:41 | 2025-01-29 08:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed by guidelines | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-01/29/2025 <br>Open-Subject property was listed for sale within a time period not allowed per guidelines Lender exception provided for property just removed from listing. Per guidelines property must be removed from listing for at least one month prior to application and LTV will be based on the lesser of the list price or appraised value when listed within the last 3 months of the application date. - Due Diligence Vendor-01/29/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-01/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 729 Min 700<br> Months Reserves exceed minimum required - Guidelines require 12 months of reserves. Qualifying reserves are 15 months. | Mortgage history 0x30 for at least 36 months<br> FICO 729 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3304439 |
| XXXX | 478 | XXXX D B A C | Closed | FCRE0116 | 2025-05-23 11:04 | 2025-05-23 11:04 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Warrantability documentation is acceptable. Site condo - Due Diligence Vendor-05/23/2025 <br>Open-The Condo Project Warrantability is Unable to Determined. Unable to confirm if review completed-1008 indicate limited review yet subject is detached. UW validation of warranty type missing. - Due Diligence Vendor-05/23/2025 |  | Resolved-Warrantability documentation is acceptable. Site condo - Due Diligence Vendor-05/23/2025<br>| Verified employment history exceeds guidelines - 33>24 months<br>Qualifying FICO score is at least 20 points above minimum for program - 759>680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4228144 |
| XXXX | 478 | XXXX D B A C | Closed | finding-3625 | 2025-01-27 13:25 | 2025-02-11 13:54 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received corrected CD that shows final payee which is not the lender. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. Post CD - Buyer-02/10/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Appraisal Fee & Credit Report Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations 3 Years: XXXX - Due Diligence Vendor-01/27/2025 |  | Resolved-Received corrected CD that shows final payee which is not the lender. - Due Diligence Vendor-02/11/2025<br>| Verified employment history exceeds guidelines - 33>24 months<br>Qualifying FICO score is at least 20 points above minimum for program - 759>680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3288420 |
| XXXX | 478 | XXXX D B A C | Closed | FCRE1254 | 2025-01-28 13:19 | 2025-01-31 15:01 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received private party Note. - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. The Note for the subject property has been provided, showing that the loan was paid off at the time of the Final CD. Since there is no longer an active lien recorded against the property, this condition should be cleared.<br>Please review the attached Note and confirm if any further documentation is required. - Buyer-01/30/2025 <br>Open-Property Title Issue No lien reflecting recorded on title-not eligible for Rate Term Refinance. - Due Diligence Vendor-01/28/2025 |  | Resolved-Received private party Note. - Due Diligence Vendor-01/31/2025<br>| Verified employment history exceeds guidelines - 33>24 months<br>Qualifying FICO score is at least 20 points above minimum for program - 759>680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3298675 |
| XXXX | 478 | XXXX D B A C | Closed | FCRE1148 | 2025-01-28 13:19 | 2025-01-31 15:01 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. Please see the policy from the title reflecting the amount of insurance XXXX - Buyer-01/30/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage-must equal or exceed loan amount. - Due Diligence Vendor-01/28/2025 |  | Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-01/31/2025 | Verified employment history exceeds guidelines - 33>24 months<br>Qualifying FICO score is at least 20 points above minimum for program - 759>680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3298676 |
| XXXX | 478 | XXXX D B A C | Closed | FPRO1256 | 2025-01-28 13:29 | 2025-01-30 13:20 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-The HOA Questionnaire Document is not partially present or Not Applicable. - Due Diligence Vendor-01/30/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Condo information provided date XXXX. Missing recent confirmation no litigation. - Due Diligence Vendor-01/28/2025 |  | Resolved-The HOA Questionnaire Document is not partially present or Not Applicable. - Due Diligence Vendor-01/30/2025<br>| Verified employment history exceeds guidelines - 33>24 months<br>Qualifying FICO score is at least 20 points above minimum for program - 759>680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3298848 |
| XXXX | 478 | XXXX D B A C | Closed | FCOM5135 | 2025-01-27 12:36 | 2025-01-27 14:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/27/2025<br>| Verified employment history exceeds guidelines - 33>24 months<br>Qualifying FICO score is at least 20 points above minimum for program - 759>680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3287764 |
| XXXX | 479 | XXXX C A | Closed | FCRE0116 | 2025-05-23 11:12 | 2025-05-23 11:12 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received Documentation of warrantability. - Due Diligence Vendor-05/23/2025 <br>Open-Missing documentation of warrantability. UW Attestation and/or documentation clearly stating whether the project review completed resulted in condo being determined as warrantable or non-warrantable must be delivered with the file. - Due Diligence Vendor-05/23/2025 |  | Resolved-Received Documentation of warrantability. - Due Diligence Vendor-05/23/2025<br>| LTV is less than guideline maximum - 40% LTV, program allows 85%. <br>Qualifying FICO score is at least 20 points above minimum for program - 812 Fico, 660 required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4228353 |
| XXXX | 481 | XXXX D B A | Closed | FCRE3599 | 2025-01-29 16:08 | 2025-05-23 12:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-05/23/2025 <br>Open-Borrowers own 12 financed properties. Exception was requested for co-borrower owning more than 9 properties. - Due Diligence Vendor-05/23/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-05/23/2025<br>| LTV is less than guideline maximum - Max 80%, actual 65%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 725<br>Months Reserves exceed minimum required - Min 0, actual 293.91 months | Reserves of XXXX<br> 0x30 credit history<br> 1.21% DSCR<br> Real Estate investor for 20 plus years<br> very little non mortgage debt |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3310845 |
| XXXX | 481 | XXXX D B A | Closed | FCOM1352 | 2025-01-29 14:34 | 2025-01-31 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Business purpose disclosure provided. - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. Business Purpose Affidavit - Buyer-01/31/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing No BP disclosure found in loan file - Due Diligence Vendor-01/29/2025 |  | Resolved-Business purpose disclosure provided. - Due Diligence Vendor-01/31/2025<br>| LTV is less than guideline maximum - Max 80%, actual 65%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 725<br>Months Reserves exceed minimum required - Min 0, actual 293.91 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3309437 |
| XXXX | 482 | XXXX C B A | Closed | FCRE3599 | 2025-01-29 20:41 | 2025-03-13 13:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Client Waiver applied with no comp factors. - Due Diligence Vendor-01/30/2025 <br> Open-Email exception request for co-borrower owning more than XXXX properties. Exception approved via email.<br> Note: Guideline does indicate there is no limitation to the total number of financed properties a borrower may own when the subject property is an investment property. - Due Diligence Vendor-01/30/2025 |  | Waived-Client Waiver applied with no comp factors. - Due Diligence Vendor-01/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 725<br>Months Reserves exceed minimum required - Min 3, actual 543.69 months<br>LTV is less than guideline maximum - Max 80%, actual 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3312823 |
| XXXX | 483 | XXXX D A C | Closed | FPRO1253 | 2025-02-07 09:57 | 2025-02-12 12:35 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Desk review provided supporting value. - Due Diligence Vendor-02/12/2025 <br> Open-Client provided the updated appraisal and a XXXX SSR. The SSR did not support he value of XXXX. Provide a desk review to support the value - Due Diligence Vendor-02/07/2025 |  | Resolved-Desk review provided supporting value. - Due Diligence Vendor-02/12/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income:XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - FICO: 731 Min 720<br> Qualifying DTI below maximum allowed - DTI: 25.22% Max 50% <br> Months Reserves exceed minimum required - Reserves: 65 Min 3 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3374655 |
| XXXX | 483 | XXXX D A C | Closed | FCRE1194 | 2025-02-03 12:58 | 2025-02-12 12:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received a revised Appraisal stating there was a type on the appraisal . A new finding has been issued for a secondary product to support this value - Due Diligence Vendor-02/07/2025 <br> Counter-Received a revised Appraisal stating there was a type on the appraisal as well as a XXXX SSR Report to support the value - Due Diligence Vendor-02/07/2025 <br> Open-Audited LTV of 82.07% exceeds Guideline LTV of 80% for investment properties. - Due Diligence Vendor-02/03/2025 |  | Resolved-Received a revised Appraisal stating there was a type on the appraisal . A new finding has been issued for a secondary product to support this value - Due Diligence Vendor-02/07/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Residual IncomeXXXX<br> Qualifying FICO score is at least 20 points above minimum for program - FICO: 731 Min 720<br> Qualifying DTI below maximum allowed - DTI: 25.22% Max 50% <br> Months Reserves exceed minimum required - Reserves: 65 Min 3 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3337501 |
| XXXX | 484 | XXXX D A | Closed | FCRE7806 | 2025-02-03 18:24 | 2025-03-13 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received the Borrower 1 Bank Statement Summary/Lender Worksheet. - Due Diligence Vendor-02/10/2025 <br>Ready for Review-Document Uploaded. Income was qualified using a 2 year W2 average<br> - Buyer-02/07/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-02/03/2025 |  | Resolved-Received the Borrower 1 Bank Statement Summary/Lender Worksheet. - Due Diligence Vendor-02/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 789 Min 700<br> LTV is less than guideline maximum - LTV: 68.25% Max 80%<br> Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX<br> Qualifying DTI below maximum allowed - DTI: 35.87% Max 50% <br> Months Reserves exceed minimum required - Reserves: 31.53 Min 6 per DU |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3341853 |
| XXXX | 484 | XXXX D A | Closed | FCRE1728 | 2025-02-04 10:03 | 2025-02-10 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Upon further review, rent income is not being used to qualify, 1007 is not needed, nothing further required. - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. - Transaction was qualified under the investor solution program which follows XXXX requirements. <br> - Finding #21 of the AUS findings attached confirm a 1007 is not required if rental income was not used for qualifying<br> - AUS findings also confirm no rental income for the subject was used for qualifying (see page 12) - Buyer-02/07/2025 <br> Open- - Due Diligence Vendor-02/04/2025 |  | Resolved-Upon further review, rent income is not being used to qualify, 1007 is not needed, nothing further required. - Due Diligence Vendor-02/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 789 Min 700<br> LTV is less than guideline maximum - LTV: 68.25% Max 80%<br> Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income: XXXX<br> Qualifying DTI below maximum allowed - DTI: 35.87% Max 50% <br> Months Reserves exceed minimum required - Reserves: 31.53 Min 6 per DU |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3344874 |
| XXXX | 484 | XXXX D A | Closed | FCOM1352 | 2025-02-04 09:45 | 2025-02-10 13:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Upon further review, the Occupancy Affidavit Disclosure was provided, nothing further required. - Due Diligence Vendor-02/10/2025 <br>Ready for Review-As an investor solution purchase transaction, a business purpose affidavit is not required - Buyer-02/07/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-02/04/2025 |  | Resolved-Upon further review, the Occupancy Affidavit Disclosure was provided, nothing further required. - Due Diligence Vendor-02/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 789 Min 700<br> LTV is less than guideline maximum - LTV: 68.25% Max 80%<br> Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income:XXXX<br> Qualifying DTI below maximum allowed - DTI: 35.87% Max 50% <br> Months Reserves exceed minimum required - Reserves: 31.53 Min 6 per DU |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3344665 |
| XXXX | 485 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 486 | XXXX C B A | Closed | FCRE1193 | 2025-02-07 11:32 | 2025-02-26 07:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator waiver applied to non material finding - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. - Seller-02/25/2025 <br> Counter-Reviewed values are XXXX total income, XXXX PITIA and XXXX consumer debt. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Please provide Income Calculation used to get 50.73% DTI. after review of the Income Calculation uploaded, it appears the calculation my be incorrect. The income Calc shows total income of XXXX and there are total expenses of XXXX. Based on the income and expenses verified, the DTI is 44.747% - Seller-02/11/2025 <br> Ready for Review-Please note that the loan was qualified using Personal Bank Statements and not Business Statements. Since this was approved with Personal Bank Statements, 100% of the deposits can be used to qualify. The 15% expense factor would only be used if the loan was being qualified with Business Bank Statements - Seller-02/07/2025 <br> Open-Audited DTI of 59.93% exceeds Guideline DTI of 50% Per Lender's ICW, it appears that they did not use the Expense Ratio of 15% (per CPA Letter) and allowed some transfers to be calculated into the income. - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. - Seller-02/25/2025 <br> Ready for Review-Please provide Income Calculation used to get 50.73% DTI. after review of the Income Calculation uploaded, it appears the calculation my be incorrect. The income Calc shows total income of XXXX and there are total expenses of XXXX. Based on the income and expenses verified, the DTI is 44.747% - Seller-02/11/2025 <br> Ready for Review-Please note that the loan was qualified using Personal Bank Statements and not Business Statements. Since this was approved with Personal Bank Statements, 100% of the deposits can be used to qualify. The 15% expense factor would only be used if the loan was being qualified with Business Bank Statements - Seller-02/07/2025 | Waived-Originator waiver applied to non material finding - Due Diligence Vendor-02/26/2025<br>| Months Reserves exceed minimum required - 3 mths reserves req'd- Borrower has 34 mths- 3 mths= 31 mths <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 814 | Qualifying FICO score is at least 20 points above minimum for program<br> 5+ years verified employment history exceeds guidelines | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3376039 |
| XXXX | 486 | XXXX C B A | Closed | FCRE8201 | 2025-02-07 11:34 | 2025-02-13 17:06 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Upon further review, Bank Statements are allowed for XXXX Alt Doc program. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Please note that per the XXXX Alt Guide, Bank Statement Program is allowed in the Alt Doc Program. We point out that the Alt Doc Matrix only includes the Asset Utility/Depletion, WVOE and P&L Programs as they have specific FICO/LTV overlays that pertain only to these products. All other ALT Doc programs would follow the FICO/LTV requirements from the Matrix. We ask this condition please be waived. - Seller-02/11/2025 <br> Open-Based on the XXXX Matrix, it does not appear to allow for Bank Statement Program (which this loan is). - Due Diligence Vendor-02/07/2025 | Ready for Review-Please note that per the XXXX Alt Guide, Bank Statement Program is allowed in the Alt Doc Program. We point out that the XXXX Matrix only includes the Asset Utility/Depletion, WVOE and P&L Programs as they have specific FICO/LTV overlays that pertain only to these products. All other ALT Doc programs would follow the FICO/LTV requirements from the Matrix. We ask this condition please be waived. - Seller-02/11/2025 | Resolved-Upon further review, Bank Statements are allowed for XXXX Alt Doc program. - Due Diligence Vendor-02/13/2025 | Months Reserves exceed minimum required - 3 mths reserves req'd- Borrower has 34 mths- 3 mths= 31 mths <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 814 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3376065 |
| XXXX | 486 | XXXX C B A | Closed | finding-3635 | 2025-02-05 08:25 | 2025-02-13 12:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-We kindly disagree with this finding as the original fee to the borrower was disclosed as XXXX. We note that we are only required to limit the 10% increase to fees that negatively impact the borrower; Therefore, the fee in question actually decreased from $XXXX to XXXX. The other half of the fee is a Seller Obligated fee, per the Purchase Contract; as such, any increase to the sellers portion of the recording fee would have no negative impact to the borrower. - Seller-02/11/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-02/05/2025 | Ready for Review-We kindly disagree with this finding as the original fee to the borrower was disclosed as XXXX. We note that we are only required to limit the 10% increase to fees that negatively impact the borrower; Therefore, the fee in question actually decreased from XXXX to XXXX. The other half of the fee is a Seller Obligated fee, per the Purchase Contract; as such, any increase to the sellers portion of the recording fee would have no negative impact to the borrower. - Seller-02/11/2025 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/13/2025<br>| Months Reserves exceed minimum required - 3 mths reserves req'd- Borrower has 34 mths- 3 mths= 31 mths <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 814 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3353574 |
| XXXX | 487 | XXXX D A | Closed | FCRE0116 | 2025-05-23 11:14 | 2025-05-23 11:14 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Warrantability documentation is acceptable. - Due Diligence Vendor-05/23/2025 <br>Open-The Condo Project Warrantability is Unable to Determined. Missing HOA Questionnaire to determine warrantability. - Due Diligence Vendor-05/23/2025 |  | Resolved-Warrantability documentation is acceptable. - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 26 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 767 Min 700 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4228395 |
| XXXX | 487 | XXXX D A | Closed | FPRO1255 | 2025-02-07 13:29 | 2025-02-12 12:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received CPM approved. - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. Supporting Docs - Buyer-02/10/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing project questionnaire. Unable to determine condo warrantability. Additional conditions may apply. - Due Diligence Vendor-02/07/2025 |  | Resolved-Received CPM approved. - Due Diligence Vendor-02/12/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 26 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 767 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3377565 |
| XXXX | 488 | XXXX D A | Closed | FCRE0116 | 2025-05-23 11:20 | 2025-05-23 11:21 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-DSCR Loan Transmittal provided with condo determination of non-warrantable. - Due Diligence Vendor-05/23/2025 <br>Open-UW Attestation and/or documentation clearly stating whether the project review completed resulted in condo being determined as warrantable or non-warrantable must be delivered with the file. - Due Diligence Vendor-05/23/2025 |  | Resolved-DSCR Loan Transmittal provided with condo determination of non-warrantable. - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - 128 months reserves, 3 months required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.146 DSCR |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4228513 |
| XXXX | 488 | XXXX D A | Closed | FCRE5770 | 2025-02-10 12:04 | 2025-02-13 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-credit report provided. - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. Credit docs - these were delivered with the loan file - Buyer-02/13/2025 <br>Open-Borrower 1 Credit Report is Missing. Missing credit report - Due Diligence Vendor-02/10/2025 |  | Resolved-credit report provided. - Due Diligence Vendor-02/13/2025<br>| Months Reserves exceed minimum required - 128 months reserves, 3 months required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.146 DSCR |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3386895 |
| XXXX | 488 | XXXX D A | Closed | FCRE0070 | 2025-02-10 12:13 | 2025-02-13 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Approval/Underwriting Summary was provided. - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. SCL doesn't do Fannie Mae Loans so we won't have a 1008. - Buyer-02/11/2025 <br>Open-Missing Approval/Underwriting Summary 1008/Approval is required - Due Diligence Vendor-02/10/2025 |  | Resolved-Approval/Underwriting Summary was provided. - Due Diligence Vendor-02/12/2025<br>| Months Reserves exceed minimum required - 128 months reserves, 3 months required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.146 DSCR |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3386981 |
| XXXX | 488 | XXXX D A | Closed | FVAL5474 | 2025-02-10 15:46 | 2025-02-12 10:52 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project is ineligible | Resolved-Non-warrantable condos allowed per guidelines. - Due Diligence Vendor-02/12/2025 <br>Open-Non Warrantable condo due to single entity ownership - Due Diligence Vendor-02/10/2025 |  | Resolved-Non-warrantable condos allowed per guidelines. - Due Diligence Vendor-02/12/2025<br>| Months Reserves exceed minimum required - 128 months reserves, 3 months required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.146 DSCR |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3390426 |
| XXXX | 488 | XXXX D A | Closed | FCRE0043 | 2025-02-10 12:10 | 2025-02-12 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation worksheet was provided. - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. Supporting doc - Seller-02/11/2025 <br>Open-The DSCR Calculation from lender is Missing. DSCR Calculation is required - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. Supporting doc - Seller-02/11/2025<br>| Resolved-DSCR Calculation worksheet was provided. - Due Diligence Vendor-02/12/2025<br>| Months Reserves exceed minimum required - 128 months reserves, 3 months required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.146 DSCR |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3386958 |
| XXXX | 489 | XXXX D A | Closed | FCRE5770 | 2025-02-10 13:57 | 2025-02-13 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-credit report provided. - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. Credit docs - delivered with loan file - Buyer-02/13/2025 <br>Open-Borrower 1 Credit Report is Missing. Missing credit report - Due Diligence Vendor-02/10/2025 |  | Resolved-credit report provided. - Due Diligence Vendor-02/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 FICO, 700 required<br>Months Reserves exceed minimum required - 171 months reserves, 3 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3388608 |
| XXXX | 489 | XXXX D A | Closed | FCRE0070 | 2025-02-10 14:06 | 2025-02-13 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-DSCR Underwriting Summary provided. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. SCL doesn't do XXXX Loans so we won't have a 1008. - Buyer-02/11/2025 <br> Open-Missing Approval/Underwriting Summary 1008/Approval is required - Due Diligence Vendor-02/10/2025 |  | Resolved-DSCR Underwriting Summary provided. - Due Diligence Vendor-02/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 FICO, 700 required<br>Months Reserves exceed minimum required - 171 months reserves, 3 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3388843 |
| XXXX | 489 | XXXX D A | Closed | FCRE0043 | 2025-02-10 14:02 | 2025-02-13 08:11 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calculation worksheet was provided. - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. Supporting doc - Buyer-02/11/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing Lender DSCR Calculation - Due Diligence Vendor-02/10/2025 |  | Resolved-DSCR calculation worksheet was provided. - Due Diligence Vendor-02/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 FICO, 700 required<br>Months Reserves exceed minimum required - 171 months reserves, 3 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3388661 |
| XXXX | 490 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 491 | XXXX D A | Closed | FCRE0116 | 2025-05-23 11:22 | 2025-05-23 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-DSCR loan transmittal summary reflected non-warrantable. - Due Diligence Vendor-05/23/2025 <br>Open-UW Attestation and/or documentation clearly stating whether the project review completed resulted in condo being determined as warrantable or non-warrantable must be delivered with the file. - Due Diligence Vendor-05/23/2025 |  | Resolved-DSCR loan transmittal summary reflected non-warrantable. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 Fico, 700 required<br>DSCR % greater than 1.20 - 1.35 DSCR |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4228559 |
| XXXX | 491 | XXXX D A | Closed | FCRE0070 | 2025-02-11 06:13 | 2025-02-19 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. SCL doesn't do XXXX Loans so we won't have a 1008. - Buyer-02/11/2025 <br> Open-Missing Approval/Underwriting Summary Lender 1008/Approval is required - Due Diligence Vendor-02/11/2025 |  | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 Fico, 700 required<br>DSCR % greater than 1.20 - 1.35 DSCR |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3394043 |
| XXXX | 491 | XXXX D A | Closed | FCRE0043 | 2025-02-11 06:11 | 2025-02-13 08:15 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calculation worksheet provided. - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. See loan details - Buyer-02/11/2025 <br>Open-The DSCR Calculation from lender is Missing. Lender DSCR calculation is required - Due Diligence Vendor-02/11/2025 |  | Resolved-DSCR calculation worksheet provided. - Due Diligence Vendor-02/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 Fico, 700 required<br>DSCR % greater than 1.20 - 1.35 DSCR |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3394027 |
| XXXX | 492 | XXXX D A | Closed | FCRE0116 | 2025-05-23 11:24 | 2025-05-23 11:24 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Documentation of warrantability was provided with non-warrantable. - Due Diligence Vendor-05/23/2025 <br>Open-UW Attestation and/or documentation clearly stating whether the project review completed resulted in condo being determined as warrantable or non-warrantable must be delivered with the file. - Due Diligence Vendor-05/23/2025 |  | Resolved-Documentation of warrantability was provided with non-warrantable. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 FICO, 700 Required<br>Months Reserves exceed minimum required - 126 months reserves, 3 months required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4228598 |
| XXXX | 492 | XXXX D A | Closed | FCRE0070 | 2025-02-11 07:13 | 2025-02-19 11:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Approval/Underwriting Summary was provided. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. XXXX doesn't do XXXX Loans so we won't have a 1008. - Buyer-02/11/2025 <br> Open-Missing Approval/Underwriting Summary Lender Approval/1008 is required - Due Diligence Vendor-02/11/2025 |  | Resolved-Approval/Underwriting Summary was provided. - Due Diligence Vendor-02/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 FICO, 700 Required<br>Months Reserves exceed minimum required - 126 months reserves, 3 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3394245 |
| XXXX | 492 | XXXX D A | Closed | FCRE0043 | 2025-02-11 07:09 | 2025-02-13 08:17 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calculation worksheet provided. - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. See loan details - Buyer-02/11/2025 <br>Open-The DSCR Calculation from lender is Missing. Lender DSCR calculation is required. - Due Diligence Vendor-02/11/2025 |  | Resolved-DSCR calculation worksheet provided. - Due Diligence Vendor-02/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 728 FICO, 700 Required<br>Months Reserves exceed minimum required - 126 months reserves, 3 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3394225 |
| XXXX | 493 | XXXX D A | Closed | FCRE0116 | 2025-05-23 11:25 | 2025-05-23 11:26 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Documentation of warrantability was provided with non-warrantable. - Due Diligence Vendor-05/23/2025 <br>Open-UW Attestation and/or documentation clearly stating whether the project review completed resulted in condo being determined as warrantable or non-warrantable must be delivered with the file. - Due Diligence Vendor-05/23/2025 |  | Resolved-Documentation of warrantability was provided with non-warrantable. - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - 36.11 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 728 Fico, 700 required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4228617 |
| XXXX | 493 | XXXX D A | Closed | FCRE0070 | 2025-02-11 07:58 | 2025-02-19 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Approval/Underwriting Summary was provided. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. XXXX doesn't do Fannie Mae Loans so we won't have a 1008. - Buyer-02/11/2025 <br> Open-Missing Approval/Underwriting Summary 1008/Approval from lender is required to be delivered with the file - Due Diligence Vendor-02/11/2025 |  | Resolved-Approval/Underwriting Summary was provided. - Due Diligence Vendor-02/12/2025<br>| Months Reserves exceed minimum required - 36.11 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 728 Fico, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3394503 |
| XXXX | 493 | XXXX D A | Closed | FCRE0043 | 2025-02-11 07:55 | 2025-02-13 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation was located. - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. See loan details - Buyer-02/11/2025 <br>Open-The DSCR Calculation from lender is Missing. Lender DSCR calculation is required - Due Diligence Vendor-02/11/2025 |  | Resolved-DSCR Calculation was located. - Due Diligence Vendor-02/12/2025<br>| Months Reserves exceed minimum required - 36.11 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 728 Fico, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3394472 |
| XXXX | 494 | XXXX D A | Closed | FCRE0116 | 2025-05-23 11:26 | 2025-05-23 11:27 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Documentation of warrantability was provided with non-warrantable. - Due Diligence Vendor-05/23/2025 <br>Open-UW Attestation and/or documentation clearly stating whether the project review completed resulted in condo being determined as warrantable or non-warrantable must be delivered with the file. - Due Diligence Vendor-05/23/2025 |  | Resolved-Documentation of warrantability was provided with non-warrantable. - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - 121 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 728 Fico, 700 required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4228641 |
| XXXX | 494 | XXXX D A | Closed | FCRE0043 | 2025-02-11 09:14 | 2025-03-13 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation was provided. - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. See loan details - Buyer-02/11/2025 <br>Open-The DSCR Calculation from lender is Missing. Lender DSCR calculation is required - Due Diligence Vendor-02/11/2025 |  | Resolved-DSCR Calculation was provided. - Due Diligence Vendor-02/12/2025<br>| Months Reserves exceed minimum required - 121 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 728 Fico, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3395219 |
| XXXX | 494 | XXXX D A | Closed | FCRE0070 | 2025-02-11 09:17 | 2025-02-19 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Approval/Underwriting Summary was provided. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. XXXX doesn't do Fannie Mae Loans so we won't have a 1008. - Buyer-02/11/2025 <br> Open-Missing Approval/Underwriting Summary Lender 1008/approval is required - Due Diligence Vendor-02/11/2025 |  | Resolved-Approval/Underwriting Summary was provided. - Due Diligence Vendor-02/12/2025<br>| Months Reserves exceed minimum required - 121 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 728 Fico, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3395259 |
| XXXX | 495 | XXXX D A | Closed | FCRE0116 | 2025-05-23 11:30 | 2025-05-23 11:30 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Documentation of warrantability was provided with non-warrantable. - Due Diligence Vendor-05/23/2025 <br>Open-UW Attestation and/or documentation clearly stating whether the project review completed resulted in condo being determined as warrantable or non-warrantable must be delivered with the file. - Due Diligence Vendor-05/23/2025 |  | Resolved-Documentation of warrantability was provided with non-warrantable. - Due Diligence Vendor-05/23/2025<br>| Months Reserves exceed minimum required - 125 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO, 700 required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4228698 |
| XXXX | 495 | XXXX D A | Closed | FCRE0043 | 2025-02-11 10:18 | 2025-02-13 17:32 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-document confirming the DSCR provided. - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. Transmittal - We do not have a 1008 - Buyer-02/13/2025 <br>Open-The DSCR Calculation from lender is Missing. UW DSCR Calculation must be delivered with the file. - Due Diligence Vendor-02/11/2025 |  | Resolved-document confirming the DSCR provided. - Due Diligence Vendor-02/13/2025<br>| Months Reserves exceed minimum required - 125 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3396008 |
| XXXX | 495 | XXXX D A | Closed | FCRE0070 | 2025-02-11 10:21 | 2025-02-13 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. XXXX doesn't do XXXX Loans so we won't have a 1008.<br> - Buyer-02/11/2025 <br> Open-Missing Approval/Underwriting Summary UW 1008/Approval is required to be delivered with the file. - Due Diligence Vendor-02/11/2025 |  | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-02/13/2025<br>| Months Reserves exceed minimum required - 125 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3396040 |
| XXXX | 496 | XXXX D A | Closed | FCOM1352 | 2025-02-14 08:06 | 2025-02-25 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Per Client, proceeds are being used for personal use, ran compliance with no further issues noted. This is a XXXX - All compliance testing was done and passed. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. CONFIRMATION TO RUN THE COMPLIANCE TESTING - Buyer-02/21/2025 <br> Counter-Non-Business purpose loans will require compliance testing. Please confirm you would like us to ren compliance testing. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. UW CERT ON BUSINESS PURPOSE AFFIDAVIT - Buyer-02/18/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing File contained the Occupancy Affidavit; however, XXXX guidelines require the Business Purpose Form - Due Diligence Vendor-02/14/2025 |  | Resolved-Per Client, proceeds are being used for personal use, ran compliance with no further issues noted. This is a CDFI exempt Lender - All compliance testing was done and passed. - Due Diligence Vendor-04/09/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 21.56m.<br>LTV is less than guideline maximum - Lender max LTV is 70%, subject LTV is 65%. |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3423716 |
| XXXX | 496 | XXXX D A | Closed | FCRE5790 | 2025-02-14 09:07 | 2025-02-20 14:17 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM for both borrowers. - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Document Uploaded. UDN - Buyer-02/18/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide a Gap Credit Report within 10 days of Closing date. - Due Diligence Vendor-02/14/2025 |  | Resolved-Received UDM for both borrowers. - Due Diligence Vendor-02/20/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 21.56m.<br>LTV is less than guideline maximum - Lender max LTV is 70%, subject LTV is 65%. |  | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3424252 |
| XXXX | 497 | XXXX D A | Closed | FCRE1202 | 2025-02-19 10:51 | 2025-02-24 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. - Seller-02/21/2025 <br> Open-Third Party Fraud Report Partially Provided Missing XXXX for buyers attny and other individual - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/24/2025<br>| LTV is less than guideline maximum - 85% LTV is less than 90% guideline maximum<br>Qualifying DTI below maximum allowed - 12.15% DTI is below 43% maximum |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3446329 |
| XXXX | 498 | XXXX D A C | Closed | FCRE5782 | 2025-02-19 21:04 | 2025-03-06 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report. - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. Credit Soft Pull B1 - Seller-03/03/2025 <br>Counter-Gap Report provided, however it is not dated within 10 days. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. Credit UDM - B1 - Buyer-02/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing The gap credit report is missing for B1. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Credit Soft Pull B1 - Seller-03/03/2025<br>| Resolved-Received gap report. - Due Diligence Vendor-03/04/2025<br>| Months Reserves exceed minimum required - 96.12 months of PITI reserves, 6 months minimum required.<br>LTV is less than guideline maximum - 60% LTV ratio, 85% maximum LTV allowed.<br>Qualifying DTI below maximum allowed - 24.91% DTI ratio, 50% maximum DTI allowed. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3451237 |
| XXXX | 498 | XXXX D A C | Closed | FCRE5783 | 2025-02-19 21:04 | 2025-03-06 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received gap report. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. Credit Soft Pull B2 - Seller-03/03/2025 <br> Counter-Gap Report provided is not dated within 10 days. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. Credit UDM - B2 - Buyer-02/24/2025 <br> Open-Borrower 2 Gap Credit Report is Missing The gap credit report is missing for B1. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Credit Soft Pull B2 - Seller-03/03/2025<br>| Resolved-Received gap report. - Due Diligence Vendor-03/04/2025<br>| Months Reserves exceed minimum required - 96.12 months of PITI reserves, 6 months minimum required.<br>LTV is less than guideline maximum - 60% LTV ratio, 85% maximum LTV allowed.<br>Qualifying DTI below maximum allowed - 24.91% DTI ratio, 50% maximum DTI allowed. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3451238 |
| XXXX | 498 | XXXX D A C | Closed | FCRE1241 | 2025-02-19 20:03 | 2025-02-28 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received complete purchase contract. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. This was page 1 of the previous purchase contract document provided. - Seller-02/28/2025 <br> Counter-Purchase contract provided, however we are missing the addendum adding the interested party contribution of XXXX - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. Purchase Agreement - Seller-02/24/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Loan file is missing a copy of the purchase contract. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. This was page 1 of the previous purchase contract document provided. - Seller-02/28/2025 <br>Ready for Review-Document Uploaded. Purchase Agreement - Seller-02/24/2025<br>| Resolved-Received complete purchase contract. - Due Diligence Vendor-02/28/2025<br>| Months Reserves exceed minimum required - 96.12 months of PITI reserves, 6 months minimum required.<br>LTV is less than guideline maximum - 60% LTV ratio, 85% maximum LTV allowed.<br>Qualifying DTI below maximum allowed - 24.91% DTI ratio, 50% maximum DTI allowed. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3451171 |
| XXXX | 498 | XXXX D A C | Closed | FCRE7896 | 2025-02-20 12:45 | 2025-02-28 15:17 | Resolved | 1 - Information C A | Property | Appraisal | Two of more full valuation products not provided for loan amounts between $1.2 M and $2 million | Resolved-Received desk review supporting value. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. CDA - Seller-02/27/2025 <br>Open-no desk review provided with CU score over 2.5 - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. CDA - Seller-02/27/2025<br>| Resolved-Received desk review supporting value. - Due Diligence Vendor-02/28/2025<br>| Months Reserves exceed minimum required - 96.12 months of PITI reserves, 6 months minimum required.<br>LTV is less than guideline maximum - 60% LTV ratio, 85% maximum LTV allowed.<br>Qualifying DTI below maximum allowed - 24.91% DTI ratio, 50% maximum DTI allowed. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3455534 |
| XXXX | 499 | XXXX C B A | Closed | finding-3540 | 2025-02-27 07:34 | 2025-03-12 15:57 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no further documentation is needed or required.<br> - Due Diligence Vendor-03/12/2025 <br> Counter-Received evidence CD XXXX was received on XXXX. Provide evidence CD XXXX was delivered to borrower prior to final CD XXXX. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. XXXX CD Uploaded - Buyer-03/03/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction.-----Received CD XXXX, missing evidence of receipt. Finding remains. - Due Diligence Vendor-02/27/2025 |  | Resolved-Upon further review, no further documentation is needed or required.<br> - Due Diligence Vendor-03/12/2025<br>| Months Reserves exceed minimum required - 30 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 61%; max 80%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3490470 |
| XXXX | 499 | XXXX C B A | Closed | finding-3634 | 2025-02-25 10:18 | 2025-03-12 15:56 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC is sufficient for increase, finding resolved. - Due Diligence Vendor-03/12/2025 <br> Counter-Received evidence CD XXXX was received on XXXX. Provide evidence CD XXXX was delivered to borrower prior to final CD XXXX. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. XXXX CD Uploaded<br> - Seller-03/03/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. XXXX CD Uploaded<br> - Seller-03/03/2025 | Resolved-Received COC is sufficient for increase, finding resolved. - Due Diligence Vendor-03/12/2025<br>| Months Reserves exceed minimum required - 30 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 61%; max 80%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3475981 |
| XXXX | 499 | XXXX C B A | Closed | finding-3652 | 2025-02-25 10:18 | 2025-03-12 15:56 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC is sufficient, finding resolved. - Due Diligence Vendor-03/12/2025 <br> Counter-Received evidence CD XXXX was received on XXXX. Provide evidence CD XXXX was delivered to borrower prior to final CD XXXX. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. XXXX CD Uploaded<br> - Seller-03/03/2025 <br> Ready for Review-Document Uploaded. CIC XXXX<br> - Seller-02/26/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. XXXX CD Uploaded<br> - Seller-03/03/2025 <br> Ready for Review-Document Uploaded. CIC XXXX<br> - Seller-02/26/2025 | Resolved-Received COC is sufficient, finding resolved. - Due Diligence Vendor-03/12/2025<br>| Months Reserves exceed minimum required - 30 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 61%; max 80%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3475978 |
| XXXX | 499 | XXXX C B A | Closed | FCRE1440 | 2025-02-25 15:49 | 2025-02-28 11:14 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Supplemental Report. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. VOM Uploaded - Seller-02/26/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 month payment history on subject mortgage to meet guide, not reporting on credit. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. VOM Uploaded - Seller-02/26/2025<br>| Resolved-Received Supplemental Report. - Due Diligence Vendor-02/28/2025<br>| Months Reserves exceed minimum required - 30 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 61%; max 80%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3479983 |
| XXXX | 499 | XXXX C B A | Closed | FCOM2461 | 2025-02-25 13:34 | 2025-02-27 07:30 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Calculating Cash to Close (page 3) is blank or incorrect form | Resolved-Received CD XXXX, page 3. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. pg 3 of 5 of final CD - Buyer-02/26/2025 <br> Open-Page 3 not provided. - Due Diligence Vendor-02/25/2025 |  | Resolved-Received CD XXXX, page 3. - Due Diligence Vendor-02/27/2025 | Months Reserves exceed minimum required - 30 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 61%; max 80%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3478601 |
| XXXX | 499 | XXXX C B A | Closed | FCRE7375 | 2025-02-25 13:32 | 2025-02-25 15:53 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/25/2025 <br>Open-FCM guide does not allow for C-class Visa category - Due Diligence Vendor-02/25/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/25/2025<br>| Months Reserves exceed minimum required - 30 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 61%; max 80%. | FICO 735, DTI is 13%, reserves are 30 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 3478590 |
| XXXX | 499 | XXXX C B A | Closed | FCOM5135 | 2025-02-25 11:20 | 2025-02-25 11:20 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-02/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-02/25/2025<br>| Months Reserves exceed minimum required - 30 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 61%; max 80%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 3477188 |
| XXXX | 500 | XXXX D A | Closed | FCRE1503 | 2025-02-28 14:33 | 2025-05-21 14:41 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Received LOE. Recalculated income for B2 using a 15% expense ratio based on the nature of the business. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. I have attached the new income worksheets for both borrowers. Both borrowers are share ride drivers for XXXX etc. The borrowers qualify to use the 15% expense ratios because they are independent contractors, no brick and mortar, no employees, no inventory or stock and low overhead. - Seller-03/10/2025 <br> Counter-Ratios exceed 50.00%-pending lender validation of B2 income calculations. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Uploaded 2nd borrower calculation. - Seller-03/04/2025 <br> Counter-Waiting on details on B2 income calculation as audit reveals lower figure. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Uploaded with other condition. - Seller-03/03/2025 <br> Open-ATR: The Lender did not document all ATR Factors Missing XXXX and XXXX for XXXX XXXX. Audit calculated income using the statements provided which is lower than lender's causing a DTI issue. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. I have attached the new income worksheets for both borrowers. Both borrowers are share ride drivers for XXXX etc. The borrowers qualify to use the 15% expense ratios because they are independent contractors, no brick and mortar, no employees, no inventory or stock and low overhead. - Seller-03/10/2025 <br> Ready for Review-Uploaded 2nd borrower calculation. - Seller-03/04/2025 <br> Ready for Review-Uploaded with other condition. - Seller-03/03/2025 | Resolved-Received LOE. Recalculated income for B2 using a 15% expense ratio based on the nature of the business. - Due Diligence Vendor-03/11/2025<br>| LTV is less than guideline maximum - 85% LTV is less than 90% guideline max<br>Qualifying FICO score is at least 20 points above minimum for program - 786 > 680 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3505016 |
| XXXX | 500 | XXXX D A | Closed | FCRE1506 | 2025-02-28 14:33 | 2025-05-21 14:41 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/11/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing XXXX and XXXX for XXXX. Audit calculated income using the statements provided which is lower than lender's causing a DTI issue. - Due Diligence Vendor-02/28/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/11/2025<br>| LTV is less than guideline maximum - 85% LTV is less than 90% guideline max<br>Qualifying FICO score is at least 20 points above minimum for program - 786 > 680 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3505017 |
| XXXX | 500 | XXXX D A | Closed | FCRE8611 | 2025-02-28 13:55 | 2025-03-12 14:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-B2 income calc received utilizing a 15% expense factor. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Uploaded income worksheet for borrower 2. - Seller-03/05/2025 <br> Counter-Received duplicate form. Audit income much lower than qualifying income for B2-Ratios are excessive 53.21%. Provide clear documentation supporting lenders qualifying income for B2. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. uploaded income calculation for 2nd borrower. - Seller-03/04/2025 <br> Counter-Received XXXX and XXXX statements-audit income calc remains much lower than lenders. Provide clear income calculation worksheet for B2 supporting qualifying income. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. Hello, I uploaded XXXX and XXXX for XXXX. - Seller-03/03/2025 <br> Open-Missing XXXX and XXXX for XXXX XXXX to complete a full 24 months. Audit calculated income using the statements provided which is lower than lender's. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. Uploaded income worksheet for borrower 2. - Seller-03/05/2025 <br> Ready for Review-Document Uploaded. uploaded income calculation for 2nd borrower. - Seller-03/04/2025 <br> Ready for Review-Document Uploaded. Hello, I uploaded 1/2025 and 1/2024 for XXXX. - Seller-03/03/2025 | Resolved-B2 income calc received utilizing a 15% expense factor. - Due Diligence Vendor-03/12/2025<br>| LTV is less than guideline maximum - 85% LTV is less than 90% guideline max<br>Qualifying FICO score is at least 20 points above minimum for program - 786 > 680 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3504542 |
| XXXX | 500 | XXXX D A | Closed | FCRE1193 | 2025-02-28 14:40 | 2025-03-12 14:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 43.79% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/11/2025 <br> Open-Audited DTI of 54.97% exceeds Guideline DTI of 50% Missing XXXX and XXXX for XXXX to complete a full 24 months. Audit calculated income using the statements provided which is lower than lender's. - Due Diligence Vendor-02/28/2025 |  | Resolved-Audited DTI of 43.79% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/11/2025<br>| LTV is less than guideline maximum - 85% LTV is less than 90% guideline max<br>Qualifying FICO score is at least 20 points above minimum for program - 786 > 680 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3505126 |
| XXXX | 500 | XXXX D A | Closed | FCRE7497 | 2025-02-28 09:46 | 2025-03-07 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation of HOA for retained property. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. The HOA fee for the borrower departing primary is the same as the subject. Its is in the same hoa complex, Therefore used XXXX a month. i Have uploaded the updated XXXX. - Seller-03/06/2025 <br> Counter-Please provide HOA for retained property XXXX-for B2. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Please advise which residence. Thank you. - Seller-03/03/2025 <br> Open-Missing HOA for departing residence-audit used amount stated on 1003. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. The HOA fee for the borrower departing primary is the same as the subject. Its is in the same hoa complex, Therefore used XXXX a month. i Have uploaded the updated 1003 & 1008. - Seller-03/06/2025 <br> Ready for Review-Please advise which residence. Thank you. - Seller-03/03/2025 | Resolved-Received confirmation of HOA for retained property. - Due Diligence Vendor-03/07/2025<br>| LTV is less than guideline maximum - 85% LTV is less than 90% guideline max<br>Qualifying FICO score is at least 20 points above minimum for program - 786 > 680 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3500911 |
| XXXX | 500 | XXXX D A | Closed | FCRE5809 | 2025-02-28 09:49 | 2025-03-05 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Received independent validation of B2 self employment - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Uploaded VOE for 2nd borrower. - Seller-03/04/2025 <br> Counter-Please document B2s self employment. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Borrowers work for XXXX. - Seller-03/03/2025 <br> Open-Missing verification that the borrowers are 100% owners of their respective businesses. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. Uploaded VOE for 2nd borrower. - Seller-03/04/2025 <br> Ready for Review-Borrowers work for XXXX. - Seller-03/03/2025 | Resolved-Received independent validation of B2 self employment - Due Diligence Vendor-03/05/2025<br>| LTV is less than guideline maximum - 85% LTV is less than 90% guideline max<br>Qualifying FICO score is at least 20 points above minimum for program - 786 > 680 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3500927 |
| XXXX | 501 | XXXX D A | Closed | FPRO1242 | 2025-02-28 10:50 | 2025-03-06 11:05 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Updated appraisal report provided. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. Revised report<br> - Seller-03/05/2025 <br> Counter-Received appraisal 1004-appraisal does not reflect Prior Sale/Transfer of subject property. (Title 24 month chain reflects transfer XXXX) - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. APPRAISAL - Seller-03/03/2025 <br> Open-Appraisal is Missing Property appraisal is required. 442 completion certification provided in file. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. Revised report<br> - Seller-03/05/2025 <br>Ready for Review-Document Uploaded. APPRAISAL - Seller-03/03/2025<br>| Resolved-Updated appraisal report provided. - Due Diligence Vendor-03/06/2025<br>| Months Reserves exceed minimum required - 1093 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 747 Fico, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3501814 |
| XXXX | 501 | XXXX D A | Closed | FCRE1201 | 2025-02-28 10:51 | 2025-03-06 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. XXXX FRAUD MANAGER - Seller-03/05/2025 <br> Open-Missing Third Party Fraud Report All loans must be submitted to an automated fraud and data check tool (i.e. XXXX, XXXX, etc.). A copy of the findings report must be provided in the loan file along with any documentation resolving any deficiencies or red flags noted. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. XXXX FRAUD MANAGER - Seller-03/05/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/06/2025<br>| Months Reserves exceed minimum required - 1093 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 747 Fico, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3501829 |
| XXXX | 501 | XXXX D A | Closed | FCRE7497 | 2025-02-28 10:34 | 2025-03-05 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received taxes, CD and HOA verification. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. Taxes for 3e attached; CD for 3f; Appraisal for 3e and 3f showing no HOA and no PUD - Seller-03/05/2025 <br>Open-Missing 1) Evidence of taxes for REO 3e. 2) Settlement statement for REO 3f, if not escrowed then documentation of tax & insurance is also required. 3) No HOA letter or documentation HOA for REOs 3e & 3f. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. Taxes for XXXX attached; CD for XXXX; Appraisal for XXXX and XXXX showing no HOA and no PUD - Seller-03/05/2025 | Resolved-Received taxes, CD and HOA verification. - Due Diligence Vendor-03/05/2025<br>| Months Reserves exceed minimum required - 1093 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 747 Fico, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3501574 |
| XXXX | 501 | XXXX D A | Closed | FCRE1510 | 2025-02-28 11:18 | 2025-03-05 12:11 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received recorded mortgage w/legal. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. Exhibit A Page 18 - Buyer-03/03/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required exhibit A - Due Diligence Vendor-02/28/2025 |  | Resolved-Received recorded mortgage w/legal. - Due Diligence Vendor-03/05/2025<br>| Months Reserves exceed minimum required - 1093 months reserves, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 747 Fico, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3502178 |
| XXXX | 502 | XXXX D A | Closed | FCRE1201 | 2025-02-28 13:47 | 2025-03-06 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete fraud report. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. XXXX FRAUD MANAGER - Buyer-03/05/2025 <br> Open-Missing Third Party Fraud Report All loans must be submitted to an automated fraud and data check tool (i.e. Fraud Guard, DataVerify, etc.). A copy of the findings report must be provided in the loan file along with any documentation resolving any deficiencies or red flags noted. - Due Diligence Vendor-02/28/2025 |  | Resolved-Received complete fraud report. - Due Diligence Vendor-03/06/2025<br>| Months Reserves exceed minimum required - 1093 months reserves, 6 months requird<br>Qualifying FICO score is at least 20 points above minimum for program - 747 FICO, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3504439 |
| XXXX | 502 | XXXX D A | Closed | FCRE7497 | 2025-02-28 12:57 | 2025-03-06 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received validation of REO PITIA. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. CD for 3f attached shows the amount of escrows; Taxes and insurance for XXXX; Appraisal for XXXX and XXXX showing no HOA or PUD property. - Buyer-03/05/2025 <br> Open-Missing: 1) Evidence of tax and insurance premiums for REO XXXX. 2) CD for concurrent close of XXXX-if not escrowed then documentation of tax & insurance is also required. 3) No HOA letter or documentation HOA for REOs XXXX & XXXX. - Due Diligence Vendor-02/28/2025 |  | Resolved-Received validation of REO PITIA. - Due Diligence Vendor-03/06/2025<br>| Months Reserves exceed minimum required - 1093 months reserves, 6 months requird<br>Qualifying FICO score is at least 20 points above minimum for program - 747 FICO, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3503617 |
| XXXX | 503 | XXXX D A | Closed | FCRE9996 | 2025-03-04 13:16 | 2025-03-10 12:36 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received 1008 confirming condo non warrantable. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. supporting docs showing warrantability - Seller-03/06/2025 <br> Counter-Received Structural Engineer report. Missing Lenders Condo Warranty. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. Supporting Docs - Buyer-03/05/2025 <br> Open-The file does not contain the required structural engineer report per XXXX law. Missing evidence of warrantability from the lender. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. supporting docs showing warrantability - Seller-03/06/2025<br>| Resolved-Received 1008 confirming condo non warrantable. - Due Diligence Vendor-03/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers credit score is 805; guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrower has 163.30 months in reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3524592 |
| XXXX | 503 | XXXX D A | Closed | FCRE1201 | 2025-03-04 10:26 | 2025-03-06 13:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. Supporting Docs - Seller-03/05/2025 <br>Open-Missing Third Party Fraud Report Missing Fraud Report - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. Supporting Docs - Seller-03/05/2025<br>| Resolved-Received fraud report. - Due Diligence Vendor-03/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers credit score is 805; guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrower has 163.30 months in reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3521822 |
| XXXX | 503 | XXXX D A | Closed | FCRE5782 | 2025-03-04 13:11 | 2025-03-06 13:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit gap report. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. Supporting Docs - Buyer-03/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit - Due Diligence Vendor-03/04/2025 |  | Resolved-Received credit gap report. - Due Diligence Vendor-03/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers credit score is 805; guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrower has 163.30 months in reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3524507 |
| XXXX | 504 | XXXX D A | Closed | FCRE5790 | 2025-03-06 08:35 | 2025-03-11 12:30 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-updated gap credit report provided. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-03/10/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-03/10/2025<br>| Resolved-updated gap credit report provided. - Due Diligence Vendor-03/11/2025<br>| Months Reserves exceed minimum required - The Borrower has 38.25 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers credit score is 737; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3542476 |
| XXXX | 504 | XXXX D A | Closed | FCRE1316 | 2025-03-06 08:33 | 2025-03-11 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-operating agreement and certificate of good standing provided. - Due Diligence Vendor-03/11/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Final VOE. - Due Diligence Vendor-03/06/2025 |  | Resolved-operating agreement and certificate of good standing provided. - Due Diligence Vendor-03/11/2025<br>| Months Reserves exceed minimum required - The Borrower has 38.25 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers credit score is 737; guideline minimum is 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3542448 |
| XXXX | 504 | XXXX D A | Closed | FCRE1325 | 2025-03-06 05:48 | 2025-03-11 09:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-The guidelines do not require an expense factor when using personal returns. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. LOX - Buyer-03/07/2025 <br> Open-Borrower 1 CPA Letter Missing Missing expense factor by a Certified Public Accountant, Enrolled Agent, XXXX or Chartered Tax Adviser (PTIN tax preparers not allowed. PTIN preparers that work for a 3rd party firm; currently using 10%. - Due Diligence Vendor-03/06/2025 |  | Resolved-The guidelines do not require an expense factor when using personal returns. - Due Diligence Vendor-03/10/2025<br>| Months Reserves exceed minimum required - The Borrower has 38.25 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers credit score is 737; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3540975 |
| XXXX | 504 | XXXX D A | Closed | FCRE1505 | 2025-03-07 11:20 | 2025-03-10 15:31 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Tradelines meet updated guideline requirements. - Due Diligence Vendor-03/10/2025 <br>Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Borrower does not meet the minimum tradeline requirement. - Due Diligence Vendor-03/07/2025 |  | Resolved-Tradelines meet updated guideline requirements. - Due Diligence Vendor-03/10/2025<br>| Months Reserves exceed minimum required - The Borrower has 38.25 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers credit score is 737; guideline minimum is 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3556113 |
| XXXX | 504 | XXXX D A | Closed | FCRE0069 | 2025-03-05 14:05 | 2025-03-10 10:26 | Resolved | 1 - Information C A | Credit | Income/Employment | Bank Statement Summary Lender Worksheet is N/A | Resolved-Bank statement worksheet provided. - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. BSA WORKSHEET - Seller-03/07/2025 <br>Open-Bank Statement Summary Lender Worksheet is N/A. Missing Bank Statement Worksheet . - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. XXXX WORKSHEET - Seller-03/07/2025 | Resolved-Bank statement worksheet provided. - Due Diligence Vendor-03/10/2025<br>| Months Reserves exceed minimum required - The Borrower has 38.25 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers credit score is 737; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3535696 |
| XXXX | 505 | XXXX D A C | Closed | FCRE8887 | 2025-03-07 10:33 | 2025-03-12 16:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received 1003 loan application signed by the borrower. - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. The fully executed loan application for the borrower has been provided, please clear condition. - Seller-03/11/2025 <br>Open-Provide the fully completed loan application for the current borrower. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. The fully executed loan application for the borrower has been provided, please clear condition. - Seller-03/11/2025<br>| Resolved-Received 1003 loan application signed by the borrower. - Due Diligence Vendor-03/12/2025<br>| Months Reserves exceed minimum required - 12.47 months reserves exceed required 6 by 6.47 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 718 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3555129 |
| XXXX | 505 | XXXX D A C | Closed | FCRE1510 | 2025-03-07 10:32 | 2025-03-12 16:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received signed and XXXX Mortgage. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. A copy of the executed Mortgage for the subject loan has been provided, please clear condition. - Seller-03/11/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide the singed and dated Mtg. with the borrower and non title holder as well as the Notary - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. A copy of the executed Mortgage for the subject loan has been provided, please clear condition. - Seller-03/11/2025<br>| Resolved-Received signed and Notarized Mortgage. - Due Diligence Vendor-03/12/2025<br>| Months Reserves exceed minimum required - 12.47 months reserves exceed required 6 by 6.47 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 718 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3555107 |
| XXXX | 505 | XXXX D A C | Closed | FCRE1509 | 2025-03-07 10:32 | 2025-03-12 16:07 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Signed Note - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. A copy of the executed Note for the subject loan has been provided, please clear condition. - Seller-03/11/2025 <br>Open-There are Issues Present on the Note that must be addressed. Provide the subject property Note to be signed by the borrower. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. A copy of the executed Note for the subject loan has been provided, please clear condition. - Seller-03/11/2025<br>| Resolved-Received Signed Note - Due Diligence Vendor-03/12/2025<br>| Months Reserves exceed minimum required - 12.47 months reserves exceed required 6 by 6.47 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 718 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3555091 |
| XXXX | 505 | XXXX D A C | Closed | finding-3532 | 2025-03-05 07:29 | 2025-03-12 08:21 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received evidence of receipt for CD XXXX, CD XXXX and CD XXXX. Finding resolved. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. CD issued XXXX and XXXX uploaded along with confirmation of receipt. A copy of the CD issued XXXX executed by the borrower which confirms confirmation of receipt has been uploaded. Please clear condition. - Seller-03/11/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. CD's from XXXX, XXXX and XXXX need to be acknowledged by borrower. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. CD issued XXXX and XXXX uploaded along with confirmation of receipt. A copy of the CD issued XXXX executed by the borrower which confirms confirmation of receipt has been uploaded. Please clear condition. - Seller-03/11/2025 | Resolved-Received evidence of receipt for CD XXXX, CD XXXX and CD XXXX. Finding resolved. - Due Diligence Vendor-03/12/2025 | Months Reserves exceed minimum required - 12.47 months reserves exceed required 6 by 6.47 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 718 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3530006 |
| XXXX | 506 | XXXX C B A | Closed | finding-3652 | 2025-03-13 14:58 | 2025-06-03 16:42 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Received the PCCD with lender credit. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Please find the PCCD, XXXX,LOE and check for credit. - Seller-04/04/2025 <br> Ready for Review-Received LE and COC XXXX. Lender credit decreased XXXX, from XXXX on CD XXXX to XXXX on CD XXXX. LOE for XXXX does not apply. Finding remains. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. Please find the COC and LE - Seller-03/17/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Please find the PCCD, XXXX,LOE and check for credit. - Seller-04/04/2025 <br> Ready for Review-Document Uploaded. Please find the COC and LE - Seller-03/17/2025 | Cured-Received the PCCD with lender credit. - Due Diligence Vendor-06/03/2025<br>| Qualifying DTI below maximum allowed - DTI 42.16% is lower than allowable 50%<br>LTV is less than guideline maximum - LTV 76.12% is lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 737 is higher than the required 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3606506 |
| XXXX | 506 | XXXX C B A | Closed | finding-3634 | 2025-03-13 14:58 | 2025-06-03 16:09 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD XXXX, LOE, refund check for XXXX and proof of delivery. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. Please find the PCCD, LOE, XXXX and check to borrower for XXXX - Seller-04/04/2025 <br> Ready for Review-Document Uploaded. uploaded the LE and COC - Seller-03/17/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX(Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Please find the PCCD, LOE, XXXX and check to borrower for XXXX - Seller-04/04/2025 <br> Ready for Review-Document Uploaded. uploaded the LE and COC - Seller-03/17/2025 | Cured-Received PCCD XXXX, LOE, refund check for XXXX and proof of delivery. - Due Diligence Vendor-04/07/2025 | Qualifying DTI below maximum allowed - DTI 42.16% is lower than allowable 50%<br>LTV is less than guideline maximum - LTV 76.12% is lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 737 is higher than the required 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3606508 |
| XXXX | 507 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 508 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 509 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 510 | XXXX C A | Closed | finding-3652 | 2025-03-19 12:10 | 2025-03-24 13:55 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received CD 3/10 signed by borrower. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. attached proof of the borrower receipt of the CD - Seller-03/21/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. There is a coc in file for this change, but missing proof of borrower receipt of the CD. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. attached proof of the borrower receipt of the CD - Seller-03/21/2025<br>| Resolved-Received CD XXXX signed by borrower. - Due Diligence Vendor-03/24/2025 | LTV is less than guideline maximum - LTV 30.50% is lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3647962 |
| XXXX | 510 | XXXX C A | Closed | finding-3532 | 2025-03-19 12:10 | 2025-03-24 13:51 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received CD XXXX e-signed by borrower on same day. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. initial signed CD - Seller-03/21/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX . Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. initial signed CD - Seller-03/21/2025<br>| Resolved-Received CD XXXX e-signed by borrower on same day. - Due Diligence Vendor-03/24/2025 | LTV is less than guideline maximum - LTV 30.50% is lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3647961 |
| XXXX | 510 | XXXX C A | Closed | finding-3526 | 2025-03-19 12:10 | 2025-03-24 13:51 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received LEs issued XXXX, XXXX and initial and revised CD's dated XXXX and XXXX with borrower signatures. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. please see attached. - Seller-03/21/2025 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. -----Please provide evidence of borrower's receipt for LEs issued XXXX, XXXX and initial and revised CD's dated XXXX and XXXX. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. please see attached. - Seller-03/21/2025<br>| Resolved-Received LEs issued XXXX, XXXX and initial and revised CD's dated XXXX and XXXX with borrower signatures. - Due Diligence Vendor-03/24/2025 | LTV is less than guideline maximum - LTV 30.50% is lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3647967 |
| XXXX | 511 | XXXX D A | Closed | FCRE7497 | 2025-03-21 08:11 | 2025-03-27 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. 1st payment letter for property in question has been uploaded and XXXX for the HOA fees. - Seller-03/26/2025 <br> Counter-Received PITIA for XXXX. Please provide PITIA for property XXXX. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. Screen shot of mortgage statement which shows taxes and insurance are escrowed is acceptable. Also uploaded the LOE stating there is no HOA for the property. Please clear condition. - Seller-03/24/2025 <br> Open-Provide the Mortgage statement for the REO XXXX since not provided and based on a screen shot of the payment - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. 1st payment letter for property in question has been uploaded and XXXX for the HOA fees. - Seller-03/26/2025 <br> Ready for Review-Document Uploaded. Screen shot of mortgage statement which shows taxes and insurance are escrowed is acceptable. Also uploaded the LOE stating there is no HOA for the property. Please clear condition. - Seller-03/24/2025 | Resolved-Received PITIA. - Due Diligence Vendor-03/27/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 763 is higher than the required 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3666162 |
| XXXX | 512 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 513 | XXXX C B A | Closed | FCRE1440 | 2025-03-21 10:59 | 2025-04-01 15:00 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, FTHB without a housing history are allowed for a purchase of a primary residence. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Hi, that's only for Non-Owner Occupy Investment Property. This is for their Primary Residence. - Seller-03/31/2025 <br>Counter-Received LOE, however Borrower living rent free are ineligible for a First Time Hombuyer. - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. - Seller-03/27/2025 <br>Open-Housing History Does Not Meet Guideline Requirements- Borrower living rent free , LOX in file does not reflect the current address borrower has been living rent free for past 10 yrs and 3mos. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Hi, that's only for Non-Owner Occupy Investment Property. This is for their Primary Residence. - Seller-03/31/2025 <br>Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-Upon further review, FTHB without a housing history are allowed for a purchase of a primary residence. - Due Diligence Vendor-04/01/2025<br>| Months Reserves exceed minimum required - 6.42 months PITIA reserves; 6 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.77%; max 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3667993 |
| XXXX | 513 | XXXX C B A | Closed | FCOM1302 | 2025-03-20 10:28 | 2025-03-20 12:54 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '6'). Originator waiver applied to non- material findings. - Due Diligence Vendor-03/20/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '6'). Originator waiver applied to non- material findings. - Due Diligence Vendor-03/20/2025<br>| Months Reserves exceed minimum required - 6.42 months PITIA reserves; 6 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 43.77%; max 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3657124 |
| XXXX | 514 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 515 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 516 | XXXX D B A | Closed | FCRE1507 | 2025-03-26 17:16 | 2025-04-14 19:12 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Received lenders income calculate. Lender used YTD + 12 months/24 months. Review income calculated at XXXX. Review used lenders lower income of XXXX - Due Diligence Vendor-04/14/2025 <br> Counter-Pending B2 income calculation resolution. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. CPA letter was already provided with 50% expense factor. - Seller-04/07/2025 <br> Open-The Originator QM Status is not the same as the Final QM Status. Missing verification of employment and income- CPA letter not provided to give expense factor to calculate income. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. CPA letter was already provided with 50% expense factor. - Seller-04/07/2025<br>| Resolved-Received lenders income calculate. Lender used YTD + 12 months/24 months. Review income calculated at XXXX. Review used lenders lower income of XXXX - Due Diligence Vendor-04/14/2025 | Qualifying DTI below maximum allowed - 47.94% DTI is below max of 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Primary wage earner FICO > 20 of min required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3703681 |
| XXXX | 516 | XXXX D B A | Closed | FCRE1506 | 2025-03-26 17:16 | 2025-04-14 19:10 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Tax Preparer Letter - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. please find the updated CPA letter. - Seller-04/11/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of employment and income- CPA letter not provided to give expense factor to calculate income. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. please find the updated CPA letter. - Seller-04/11/2025<br>| Resolved-Received Tax Preparer Letter - Due Diligence Vendor-04/14/2025<br>| Qualifying DTI below maximum allowed - 47.94% DTI is below max of 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Primary wage earner FICO > 20 of min required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3703680 |
| XXXX | 516 | XXXX D B A | Closed | FCRE1355 | 2025-03-26 16:18 | 2025-04-14 19:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Received Borrower 2 tax preparer Letter. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Please find the CPA for B2, Please clear findings. - Seller-03/28/2025 <br>Open-Borrower 2 CPA Letter Missing Missing CPA letter for borrower 2. CPA letter must reflect expense factor, borrower is 100% owner and state they have prepared the borrowers tax returns for at least the last 2 years. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Please find the CPA for B2, Please clear findings. - Seller-03/28/2025<br>| Resolved-Received Borrower 2 tax preparer Letter. - Due Diligence Vendor-03/31/2025<br>| Qualifying DTI below maximum allowed - 47.94% DTI is below max of 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Primary wage earner FICO > 20 of min required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3703118 |
| XXXX | 516 | XXXX D B A | Closed | FCRE1437 | 2025-03-26 17:11 | 2025-04-14 19:08 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. please find the explanation for income. - Seller-04/11/2025 <br> Counter-Received worksheet reflecting XXXX-1003 reflects XXXX. Please provide income calculation to support XXXX (musician/composer) monthly income. B2. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. please find income cal - Seller-04/07/2025 <br> Counter-Please provide income calculation to support XXXX (XXXX) monthly income. B2. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Per UW please review note on P&L: Note to file: Borrower's 2023 1040's showed gross reciepts were XXXX w/2024 gross receipts of XXXX, representing a decline in gross income of XXXX or 10%. Based on a 70% expense ratio per the 2023 1040's, net income for 2024 would be around XXXX. XXXX Underwriter took a 24 month average of the borrower's 2023 & 2024 P&L to qualify. Please clear findings - Seller-03/28/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing 24 months P&L, 14 months provided in borrower file. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. please find the explanation for income. - Seller-04/11/2025 <br> Ready for Review-Document Uploaded. please find income cal - Seller-04/07/2025 <br> Ready for Review-Per UW please review note on P&L: Note to file: Borrower's 2023 1040's showed gross reciepts were XXXX w/XXXX gross receipts of XXXX, representing a decline in gross income of XXXX or 10%. Based on a 70% expense ratio per the 2023 1040's, net income for 2024 would be around XXXX. XXXX Underwriter took a 24 month average of the borrower's XXXX & XXXX P&L to qualify. Please clear findings - Seller-03/28/2025 | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-04/14/2025<br>| Qualifying DTI below maximum allowed - 47.94% DTI is below max of 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Primary wage earner FICO > 20 of min required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3703665 |
| XXXX | 516 | XXXX D B A | Closed | FCRE1198 | 2025-03-26 13:10 | 2025-04-14 17:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - non-material. 0.99 month short. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. Please find exception. - Seller-04/11/2025 <br> Counter-12 months PITIA reserves required for XXXX x. Finding remains. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. 6 months reserves were all that was required on this guideline. 12 mo only required if the borrower does not have housing history, the VOR and LOE showed that rent comes out of teresa account - Seller-04/07/2025 <br> Open-Audited Reserves of 7.62 month(s) are less than Guideline Required Reserves of 12 month(s) Reserves of 7.62 months in file per guidelines, additional 6 months reserves required per guideline for FTHB. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Please find exception. - Seller-04/11/2025 <br>Ready for Review-Document Uploaded. 6 months reserves were all that was required on this guideline. 12 mo only required if the borrower does not have housing history, the VOR and LOE showed that rent comes out of teresa account - Seller-04/07/2025<br>| Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - non-material. 0.99 month short. - Due Diligence Vendor-04/14/2025<br>| Qualifying DTI below maximum allowed - 47.94% DTI is below max of 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Primary wage earner FICO > 20 of min required. | 749 FICO<br> 15 years on the job | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3700599 |
| XXXX | 516 | XXXX D B A | Closed | FCRE1148 | 2025-03-26 08:23 | 2025-03-31 17:00 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received supplement report w/sufficient coverage. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Please find the supp report for Cov amount, please clear. - Seller-03/28/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Loan amount XXXX, coverage amount XXXX. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Please find the supp report for Cov amount, please clear. - Seller-03/28/2025<br>| Resolved-Received supplement report w/sufficient coverage. - Due Diligence Vendor-03/31/2025<br>| Qualifying DTI below maximum allowed - 47.94% DTI is below max of 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Primary wage earner FICO > 20 of min required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3696633 |
| XXXX | 516 | XXXX D B A | Closed | FCRE0970 | 2025-03-26 17:18 | 2025-03-31 16:42 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Receive complete legible copy of the Appraisal. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. please find the appraisal - Seller-03/28/2025 <br>Open-All pages of the appraisal are cut off at the bottom, could not verify date and value due to this. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. please find the appraisal - Seller-03/28/2025<br>| Resolved-Receive complete legible copy of the Appraisal. - Due Diligence Vendor-03/31/2025<br>| Qualifying DTI below maximum allowed - 47.94% DTI is below max of 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Primary wage earner FICO > 20 of min required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3703694 |
| XXXX | 516 | XXXX D B A | Closed | FCRE1479 | 2025-03-26 13:24 | 2025-03-31 16:39 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received evidence of EMD. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. All this was included in bank tape, please find the bank stmt with clear of emd - Seller-03/28/2025 <br>Open-Missing bank statement for EMD check clearance. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. All this was included in bank tape, please find the bank stmt with clear of emd - Seller-03/28/2025<br>| Resolved-Received evidence of EMD. - Due Diligence Vendor-03/31/2025<br>| Qualifying DTI below maximum allowed - 47.94% DTI is below max of 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Primary wage earner FICO > 20 of min required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3700836 |
| XXXX | 516 | XXXX D B A | Closed | FCRE5275 | 2025-03-26 13:23 | 2025-03-31 16:35 | Resolved | 1 - Information C A | Credit | Eligibility | Asset do not meet guidelines | Resolved-Gift Letter provided. Please provide the source and/or the deposit into Escrow. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. gift letter was elec signed please clear findings. - Seller-03/28/2025 <br> Open-Gift letter not signed by the borrowers and CD missing XXXX gift. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. gift letter was elec signed please clear findings. - Seller-03/28/2025<br>| Resolved-Gift Letter provided. Please provide the source and/or the deposit into Escrow. - Due Diligence Vendor-03/31/2025<br>| Qualifying DTI below maximum allowed - 47.94% DTI is below max of 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Primary wage earner FICO > 20 of min required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3700812 |
| XXXX | 517 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.2

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 351 | XXXX | XXXX A C B |
| XXXX | 352 | XXXX | XXXX D A |
| XXXX | 353 | XXXX | XXXX C B A |
| XXXX | 354 | XXXX | XXXX D C A |
| XXXX | 355 | XXXX | XXXX D B A |
| XXXX | 356 | XXXX | XXXX D A |
| XXXX | 357 | XXXX | XXXX D A |
| XXXX | 358 | XXXX | XXXX D A |
| XXXX | 359 | XXXX | XXXX C A |
| XXXX | 360 | XXXX | XXXX D C B A |
| XXXX | 361 | XXXX | XXXX A |
| XXXX | 362 | XXXX | XXXX C A |
| XXXX | 363 | XXXX | XXXX D A |
| XXXX | 364 | XXXX | XXXX D A |
| XXXX | 365 | XXXX | XXXX D A |
| XXXX | 366 | XXXX | XXXX C A |
| XXXX | 367 | XXXX | XXXX D A C |
| XXXX | 368 | XXXX | XXXX D A C |
| XXXX | 369 | XXXX | XXXX C A |
| XXXX | 370 | XXXX | XXXX C A |
| XXXX | 371 | XXXX | XXXX D A |
| XXXX | 372 | XXXX | XXXX A |
| XXXX | 373 | XXXX | XXXX A |
| XXXX | 374 | XXXX | XXXX C A B |
| XXXX | 375 | XXXX | XXXX D A B |
| XXXX | 376 | XXXX | XXXX D A |
| XXXX | 377 | XXXX | XXXX D A |
| XXXX | 378 | XXXX | XXXX C A |
| XXXX | 379 | XXXX | XXXX D A |
| XXXX | 380 | XXXX | XXXX D A |
| XXXX | 381 | XXXX | XXXX D A B |
| XXXX | 382 | XXXX | XXXX D A |
| XXXX | 383 | XXXX | XXXX D A C |
| XXXX | 384 | XXXX | XXXX D A |
| XXXX | 385 | XXXX | XXXX D A |
| XXXX | 386 | XXXX | XXXX D A |
| XXXX | 387 | XXXX | XXXX D A B |
| XXXX | 388 | XXXX | XXXX D A |
| XXXX | 389 | XXXX | XXXX C A |
| XXXX | 390 | XXXX | XXXX D B A |
| XXXX | 391 | XXXX | XXXX C A |
| XXXX | 392 | XXXX | XXXX A |
| XXXX | 393 | XXXX | XXXX C A |
| XXXX | 394 | XXXX | XXXX A |
| XXXX | 395 | XXXX | XXXX D A C |
| XXXX | 396 | XXXX | XXXX D A |
| XXXX | 397 | XXXX | XXXX C A B |
| XXXX | 398 | XXXX | XXXX A C B |
| XXXX | 399 | XXXX | XXXX C A |
| XXXX | 400 | XXXX | XXXX C A B |
| XXXX | 401 | XXXX | XXXX D A C |
| XXXX | 402 | XXXX | XXXX A |
| XXXX | 403 | XXXX | XXXX C A |
| XXXX | 404 | XXXX | XXXX D A B |
| XXXX | 405 | XXXX | XXXX A |
| XXXX | 406 | XXXX | XXXX C B A |
| XXXX | 407 | XXXX | XXXX D A |
| XXXX | 408 | XXXX | XXXX A C B |
| XXXX | 409 | XXXX | XXXX D A |
| XXXX | 410 | XXXX | XXXX D A |
| XXXX | 411 | XXXX | XXXX D A |
| XXXX | 412 | XXXX | XXXX D A |
| XXXX | 413 | XXXX | XXXX D A |
| XXXX | 414 | XXXX | XXXX D A |
| XXXX | 415 | XXXX | XXXX C A B |
| XXXX | 416 | XXXX | XXXX D A |
| XXXX | 417 | XXXX | XXXX D A |
| XXXX | 418 | XXXX | XXXX D A B |
| XXXX | 419 | XXXX | XXXX D C A |
| XXXX | 420 | XXXX | XXXX D A |
| XXXX | 421 | XXXX | XXXX A |
| XXXX | 422 | XXXX | XXXX C A B |
| XXXX | 423 | XXXX | XXXX D A |
| XXXX | 424 | XXXX | XXXX C A |
| XXXX | 425 | XXXX | XXXX D A |
| XXXX | 426 | XXXX | XXXX A |
| XXXX | 427 | XXXX | XXXX D A |
| XXXX | 428 | XXXX | XXXX D A |
| XXXX | 429 | XXXX | XXXX C A B |
| XXXX | 430 | XXXX | XXXX D A |
| XXXX | 431 | XXXX | XXXX C A |
| XXXX | 432 | XXXX | XXXX D A |
| XXXX | 433 | XXXX | XXXX D A |
| XXXX | 434 | XXXX | XXXX D A |
| XXXX | 435 | XXXX | XXXX C A B |
| XXXX | 436 | XXXX | XXXX D A B |
| XXXX | 437 | XXXX | XXXX C A B |
| XXXX | 438 | XXXX | XXXX D A B |
| XXXX | 439 | XXXX | XXXX D A |
| XXXX | 440 | XXXX | XXXX C A B |
| XXXX | 441 | XXXX | XXXX C A |
| XXXX | 442 | XXXX | XXXX D A |
| XXXX | 443 | XXXX | XXXX C A D |
| XXXX | 444 | XXXX | XXXX D A |
| XXXX | 445 | XXXX | XXXX C A |
| XXXX | 446 | XXXX | XXXX C B A |
| XXXX | 447 | XXXX | XXXX D A |
| XXXX | 448 | XXXX | XXXX A |
| XXXX | 449 | XXXX | XXXX A |
| XXXX | 450 | XXXX | XXXX D A |
| XXXX | 451 | XXXX | XXXX D A |
| XXXX | 452 | XXXX | XXXX D A |
| XXXX | 453 | XXXX | XXXX C A |
| XXXX | 454 | XXXX | XXXX A |
| XXXX | 455 | XXXX | XXXX A |
| XXXX | 456 | XXXX | XXXX C A B |
| XXXX | 457 | XXXX | XXXX D B A |
| XXXX | 458 | XXXX | XXXX C A B |
| XXXX | 459 | XXXX | XXXX A |
| XXXX | 460 | XXXX | XXXX C A B |
| XXXX | 461 | XXXX | XXXX D A |
| XXXX | 462 | XXXX | XXXX D A |
| XXXX | 463 | XXXX | XXXX A |
| XXXX | 464 | XXXX | XXXX A |
| XXXX | 465 | XXXX | XXXX A |
| XXXX | 466 | XXXX | XXXX A |
| XXXX | 467 | XXXX | XXXX C A B |
| XXXX | 468 | XXXX | XXXX D A |
| XXXX | 469 | XXXX | XXXX D A B |
| XXXX | 470 | XXXX | XXXX A |
| XXXX | 471 | XXXX | XXXX D A |
| XXXX | 472 | XXXX | XXXX D A |
| XXXX | 473 | XXXX | XXXX B C A |
| XXXX | 474 | XXXX | XXXX D A |
| XXXX | 475 | XXXX | XXXX D A |
| XXXX | 476 | XXXX | XXXX A |
| XXXX | 477 | XXXX | XXXX C A B |
| XXXX | 478 | XXXX | XXXX D C A B |
| XXXX | 479 | XXXX | XXXX C A |
| XXXX | 481 | XXXX | XXXX D A B |
| XXXX | 482 | XXXX | XXXX C A B |
| XXXX | 483 | XXXX | XXXX C A D |
| XXXX | 484 | XXXX | XXXX D A |
| XXXX | 485 | XXXX | XXXX A |
| XXXX | 486 | XXXX | XXXX C A B |
| XXXX | 487 | XXXX | XXXX D A |
| XXXX | 488 | XXXX | XXXX D A |
| XXXX | 489 | XXXX | XXXX D A |
| XXXX | 490 | XXXX | XXXX A |
| XXXX | 491 | XXXX | XXXX D A |
| XXXX | 492 | XXXX | XXXX D A |
| XXXX | 493 | XXXX | XXXX D A |
| XXXX | 494 | XXXX | XXXX D A |
| XXXX | 495 | XXXX | XXXX D A |
| XXXX | 496 | XXXX | XXXX D A |
| XXXX | 497 | XXXX | XXXX D A |
| XXXX | 498 | XXXX | XXXX D A C |
| XXXX | 499 | XXXX | XXXX C A B |
| XXXX | 500 | XXXX | XXXX D A |
| XXXX | 501 | XXXX | XXXX D A |
| XXXX | 502 | XXXX | XXXX D A |
| XXXX | 503 | XXXX | XXXX D A |
| XXXX | 504 | XXXX | XXXX D A |
| XXXX | 505 | XXXX | XXXX D C A |
| XXXX | 506 | XXXX | XXXX A C B |
| XXXX | 507 | XXXX | XXXX A |
| XXXX | 508 | XXXX | XXXX A |
| XXXX | 509 | XXXX | XXXX A |
| XXXX | 510 | XXXX | XXXX A C |
| XXXX | 511 | XXXX | XXXX D A |
| XXXX | 512 | XXXX | XXXX A |
| XXXX | 513 | XXXX | XXXX C B A |
| XXXX | 514 | XXXX | XXXX A |
| XXXX | 515 | XXXX | XXXX A |
| XXXX | 516 | XXXX | XXXX D A B |
| XXXX | 517 | XXXX | XXXX A |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 351 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 352 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | -.0435 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0435 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 353 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.94 | 52.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 354 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.85 | 56.78 | XXXX | XXXX | .0339 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0339 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 355 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 356 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX | 357 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 64.91 | 64.91 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 358 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.94 | 52.94 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 362 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 364 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 365 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.71 | 73.71 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 366 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| XXXX | 367 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 368 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 369 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 370 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 371 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65 | 65 | XXXX | XXXX | .0013 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0013 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 372 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 2090 Individual Coop Report | XXXX | 60.45 | 60.45 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 373 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 374 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 64.9 | 64.9 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 375 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 69.93 | 69.93 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 376 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 39.67 | 39.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 377 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 378 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.91 | 77.91 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 379 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | 380 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 382 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 383 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 73.05 | 73.05 | XXXX | XXXX | .0000 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 57.92 | 57.92 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 385 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.58 | 72.58 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 386 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | -.0253 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0253 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 388 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.76 | 61.76 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX | 389 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 62.65 | 62.65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 390 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 391 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | 392 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 393 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | .0119 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0119 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.54 | 61.54 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | 395 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | -.0107 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0107 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 396 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 57.5 | 57.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 78.26 | 78.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2 | XXXX |
| XXXX | 400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0167 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0167 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79 | 79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 403 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.56 | 78.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 404 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.7 | 63.7 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | 405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 406 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX | 407 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | -.0931 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0931 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 408 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.37 | 79.37 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 410 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 413 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 414 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 415 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 417 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 419 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 43.01 | 43.01 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 30.77 | 30.77 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.81 | 78.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1.9 | XXXX |
| XXXX | 422 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | 40 | 40 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 47.76 | 47.76 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 424 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.51 | 53.51 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1.6 | XXXX |
| XXXX | 427 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 430 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.48 | 78.48 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 434 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.41 | 51.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 435 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.33 | 53.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | 436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 56 | 56 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 49.32 | 49.32 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 442 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 55 | 55 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 445 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.1 | XXXX |
| XXXX | 449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 450 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.99 | 74.99 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 4.2 | XXXX |
| XXXX | 452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 456 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.33 | 58.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 59.89 | 59.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.53 | 69.53 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 460 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.21 | 77.21 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 461 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.5 | 57.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 462 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.5 | 65.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 48.44 | 48.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 465 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 58.56 | 58.56 | XXXX | XXXX | .1628 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .1628 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 466 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 58.56 | 58.56 | XXXX | XXXX | .1628 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .1628 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 3.1 | XXXX |
| XXXX | 468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 469 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.07 | 74.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50 | 50 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 472 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 473 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 474 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.99 | 74.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.2 | XXXX |
| XXXX | 475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 476 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.41 | 63.41 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | 477 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 478 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.7 | XXXX |
| XXXX | 479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 39.39 | 39.39 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 481 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 483 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.26 | 78.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | 484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.25 | 68.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 485 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | -.0055 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0055 | 96 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 488 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 62.2 | 62.2 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 489 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 45.35 | 45.35 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 490 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 50.61 | 50.61 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 491 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 53.8 | 53.8 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 492 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 493 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 48.5 | 48.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 494 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 59.69 | 59.69 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 495 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 58.96 | 58.96 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 496 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX | 499 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.76 | 61.76 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX | 500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 503 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 67.74 | 67.74 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 504 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 90 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 506 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 76.12 | 76.12 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 507 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 508 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 509 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.5 | XXXX |
| XXXX | 510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 30.56 | 30.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | .0000 | 1073 Individual Condo Report |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 512 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX | 513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 515 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 516 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 517 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.2

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 351 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 30332.64 | 8.496 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33205.1 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 352 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 183898.31 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 353 | XXXX | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  | No | No | No | No | No | No | No | No | No | No | No | 22385 | 7.261 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17702.26 | Yes | Employed |  | No |  | No |  |
| XXXX | 354 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | Yes | No | No | No | No | Yes | No | No | No | No | No | 1495 | 8.152 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 81814.86 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 355 | XXXX | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 15125 | 7.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6823.38 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 356 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 176206.32 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 357 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11716.29 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 358 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 359 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 6786.46 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 360 | XXXX | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12995 | 6.844 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14727.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 361 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 362 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20295 | 7.36 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | No | N/A | 1208244.33 | Yes | Employed |  | No |  | No |  |
| XXXX | 363 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 60018.2 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 364 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 365 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 366 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8514.07 | 7.35 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36725.98 | Yes | Employed |  | No |  | No |  |
| XXXX | 367 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 21999 | 7.635 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 26759.75 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 368 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 72073.79 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 369 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 370 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 5032.68 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 371 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 372 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2285 | 7.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 44536.13 | Yes | Employed |  | No |  | No |  |
| XXXX | 373 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 374 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 375 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 376 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6410.38 | N/A | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 377 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 378 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21095 | 7.383 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28868.7 | Yes | Employed |  | No |  | No |  |
| XXXX | 379 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 380 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 381 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34827.43 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 382 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11729.64 | Yes | Retired | Employed | No | No | Yes | Present |
| XXXX | 383 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 112298.69 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 384 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 29909.13 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 385 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 386 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 387 | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7228.28 | 7.885 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 44556.46 | Yes | Employed |  | No |  | No |  |
| XXXX | 388 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.398 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44422.01 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 389 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 390 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4548.8 | 7.684 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3891.39 | Yes | Employed |  | No |  | No |  |
| XXXX | 391 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 392 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 393 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.888 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3220632.04 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 394 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9310 | 7.707 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8754.36 | Yes | Employed |  | No |  | No |  |
| XXXX | 395 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1570 | 7.883 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 82604.16 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 396 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 33631.04 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 397 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 398 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 399 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19707.62 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 400 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7037.43 | 8.061 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15521.32 | Yes | Employed |  | No |  | No |  |
| XXXX | 401 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 45475.59 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 402 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | Yes | Yes | 3534.56 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 403 | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5656 | 7.54 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 8115.6 | Yes | Retired | Employed | No | No | No |  |
| XXXX | 404 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 405 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12837.4 | 7.187 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13335.53 | Yes | Employed |  | No |  | No |  |
| XXXX | 406 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1720 | 7.462 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11414.94 | Yes | Employed |  | No |  | No |  |
| XXXX | 407 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 408 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | No | No | No | No | No | No | No | No | No | 1475 | 8.37 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30069.36 | Yes | Employed |  | No |  | No |  |
| XXXX | 409 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 410 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 411 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 412 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 413 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 414 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 415 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 416 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 417 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 418 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 419 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5224 | 7.826 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15718.41 | Yes | Employed |  | No |  | No |  |
| XXXX | 420 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 421 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 422 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 423 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 424 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 425 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2852 | 7.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 27092.27 | Yes | Employed |  | No |  | No |  |
| XXXX | 426 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 427 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 55726.45 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 428 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4955.4 | 7.862 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63855.41 | Yes | Employed |  | No |  | No |  |
| XXXX | 429 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 430 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 56143.73 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 431 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 432 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 4383.48 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 433 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8968.03 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 434 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 435 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 436 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 437 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 438 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 439 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15270 | 7.489 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17947.34 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 440 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14485 | 7.772 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34719.66 | Yes | Employed |  | No |  | No |  |
| XXXX | 441 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5975 | 7.868 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12560.68 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 442 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 443 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 444 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 445 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 446 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11911.25 | 7.763 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 12855.27 | Yes | Employed |  | No |  | No |  |
| XXXX | 447 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6490 | 7.698 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9827.03 | Yes | Retired | Retired | No | No | No |  |
| XXXX | 448 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11035.78 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 449 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 809 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 450 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 83414.88 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 451 | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1475 | 7.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 12035.8 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 452 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 453 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 454 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6905 | 8.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37600.77 | Yes | Employed |  | No |  | No |  |
| XXXX | 455 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 456 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11705 | 8.224 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 10130.61 | Yes | Employed |  | No |  | No |  |
| XXXX | 457 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4686.5 | 8.158 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4189.34 | Yes | Employed |  | No |  | No |  |
| XXXX | 458 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 459 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 460 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 461 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 462 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 463 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 464 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 465 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 466 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 467 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6816.81 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 468 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8362.76 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 469 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 470 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 471 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 15991.5 | 8.854 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12677.68 | Yes | Employed |  | No |  | No |  |
| XXXX | 472 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 473 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17246.38 | 8.058 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15641.68 | Yes | Employed |  | No |  | No |  |
| XXXX | 474 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 5160.14 | 8.444 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 50512.02 | Yes | Employed |  | No |  | No |  |
| XXXX | 475 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | 22168.73 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 476 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 477 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 478 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6224.69 | 7.688 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3634.51 | Yes | Employed |  | No |  | No |  |
| XXXX | 479 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5995 | 7.658 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6285.83 | Yes | Employed |  | No |  | No |  |
| XXXX | 481 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 482 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 483 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14675.47 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 484 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5091.12 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 485 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 486 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17115 | 7.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7422.51 | Yes | Employed |  | No |  | No |  |
| XXXX | 487 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 488 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 489 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 490 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 491 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 492 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 493 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 494 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 495 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 496 | XXXX | XXXX | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  | No | Yes | No | No | No | No | No | No | No | No | Not Tested |  | 8.067 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2880.22 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 497 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 15768.83 | 7.261 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35059.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 498 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1499 | 7.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49744.97 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 499 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6365 | 7.257 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19182.87 | Yes | Employed |  | No |  | No |  |
| XXXX | 500 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 6576.5 | 8.574 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3689.54 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 501 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 363044.61 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 502 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 363721.5 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 503 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 93141.86 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 504 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24419.54 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 505 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 18634 | 7.721 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15422.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 506 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5690.56 | 7.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4066.43 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 507 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 3278.35 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 508 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11395.25 | 8.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11163.55 | N/A | Retired | Employed | No | No | No |  |
| XXXX | 509 | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4462.5 | 7.459 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4167.87 | Yes | Employed |  | No |  | No |  |
| XXXX | 510 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8739 | 7.133 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7292.03 | N/A | Employed |  | No |  | No |  |
| XXXX | 511 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4515.88 | 7.974 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23598.08 | Yes | Employed |  | No |  | No |  |
| XXXX | 512 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 42897.13 | 9.381 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29345.42 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 513 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 14205.68 | 9.225 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4690.46 | Yes | Employed |  | No |  | No |  |
| XXXX | 514 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2611.7 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 515 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | No | No | No | No | Yes | No | No | No | No | No | 14923 | 7.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24630.51 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 516 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 21184.63 | 9.727 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5861.06 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 517 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 15694 | 8.259 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7428.81 | Yes | Employed |  | No |  | No |  |

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## Exhibit 99.2

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 351 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Per PITIA, Tape does not include monthly HOA. |
| XXXX | 354 | XXXX | XXXX | Business Purpose Flag | businessPurposePage | No | Yes | Per Final 1008, subject is a primary. |
| XXXX | 354 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | XXXX | Per Approval and income documents in file-not a DSCR |
| XXXX | 355 | XXXX | XXXX | Interest Rate | notePage | 7.625 | 7.2500 | Per Note |
| XXXX | 355 | XXXX | XXXX | Originator Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documents in file. |
| XXXX | 356 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 75 | 74.30 | Loan amount / appraised value. |
| XXXX | 358 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.189 | 1.25 | Verifief HOI is higher than amount listed on lender worksheet. |
| XXXX | 360 | XXXX | XXXX | Property Zip Code | notePage | XXXX | XXXX | per note |
| XXXX | 360 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| XXXX | 361 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note. |
| XXXX | 361 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 811 | 793 | per credit report |
| XXXX | 361 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.357 | 1.52 | DSCR match with lender loan approval |
| XXXX | 364 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Verified appraised value. |
| XXXX | 364 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.562 | 1.53 | Lender used a lower undocumented amount for rents. |
| XXXX | 365 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note. |
| XXXX | 365 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 73.71 | 74.26 | In line with 1008 |
| XXXX | 367 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.05 | 19.64 | DTI matches 1008 |
| XXXX | 369 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.353 | 2.16 | Per lender DSCR worksheet calculation. |
| XXXX | 370 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.4 | 39.91 | DTI in line with 1008 |
| XXXX | 371 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.495 | 1 | DSCR in line with with lender DSCR Program Calculator |
| XXXX | 372 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 60.45 | 61.00 | per Audit loan amount/ appraised value |
| XXXX | 372 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.21 | 16.40 | Audit included HOI premium and excluded 2 installments with less than 10 payments |
| XXXX | 373 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 75 | 70.00 | Validated using purchase price / loan amount from note |
| XXXX | 373 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.194 | 1.25 | Validated using market rents from the 1025 / audited PITI |
| XXXX | 374 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 64.9 | 64.99 | Per 1008 |
| XXXX | 375 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.023 | 1.01 | Final PITI verified to be lower than the PITI used on the final 1008 |
| XXXX | 376 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.92 | 10.00 | Matches lender's DTI per 1008 (w/in tolerance) |
| XXXX | 378 | XXXX | XXXX | Property City | notePage | XXXX | XXXX | per Note |
| XXXX | 378 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.6 | 19.49 | DTI in line with 1008 |
| XXXX | 379 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.15 | 1.13 | Audit calculated less HOI. |
| XXXX | 383 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | 384 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.05 | 33.38 | Audit calculated higher REO payments. |
| XXXX | 386 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.239 | 1 | Per UW Notes DSCR is 1.24791 |
| XXXX | 388 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 799 | 785 | Verified-median of highest wage earner. |
| XXXX | 392 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 392 | XXXX | XXXX | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per CD |
| XXXX | 392 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 766 | 764 | Per credit report |
| XXXX | 392 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.414 | 1.26 | Variance due to higher taxes include both general and school tax |
| XXXX | 394 | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Per documentation in file. |
| XXXX | 394 | XXXX | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 9.58 | 7 | Per final 1003 in file. |
| XXXX | 394 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 0 | 14288.58 | No other income per 1008. |
| XXXX | 394 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | Unknown | Per Appraisal. |
| XXXX | 394 | XXXX | XXXX | Amount of Other Lien | titlePage | 0 | XXXX | No other lien per 1008. |
| XXXX | 395 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal. |
| XXXX | 397 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.506 | 1 | Market rent/PITI, tape and lender source unknown. |
| XXXX | 398 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.871 | 1.788 | Per 1025 market rents / Final PITI |
| XXXX | 399 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.76 | 47.11 | Brr lives rent free/Lender factored a housing expense |
| XXXX | 400 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.03 | 22.23 | Lender included self reporting Installment debt, balance is less than 10 payments. |
| XXXX | 401 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.06 | 44.87 | per Audit |
| XXXX | 405 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per appraisal and title |
| XXXX | 406 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 70 | 69.34 | Audit in line with 1008 |
| XXXX | 407 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 80 | 79.71 | Matches lender's LTV per 1008 |
| XXXX | 408 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 409 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 36 | NA | Per note and rider |
| XXXX | 410 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 36 | NA | Per prepayment addendum to note. |
| XXXX | 411 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 36 | NA | Per Note. |
| XXXX | 412 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 36 | NA | Per Note. |
| XXXX | 413 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 36 | NA | Per Note. |
| XXXX | 414 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 36 | NA | Per Note. |
| XXXX | 415 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 60 | NA | Per Note. |
| XXXX | 415 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 723 | 740 | Per Credit Report. |
| XXXX | 416 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 36 | NA | Per Note. |
| XXXX | 417 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 36 | NA | Per Note and PPP Addendum. |
| XXXX | 418 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 36 | NA | Per Note and PP Addendum |
| XXXX | 419 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.07 | 37.09 | Audit matches final 1008 |
| XXXX | 420 | XXXX | XXXX | Lender Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 420 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.931 | 2 | In line with DSCR calc in file |
| XXXX | 421 | XXXX | XXXX | Interest Rate | notePage | 7.125 | 7.4900 | Per Note |
| XXXX | 421 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 421 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 78.81 | 80.00 | Per 1008. |
| XXXX | 422 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 422 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final cd |
| XXXX | 422 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1793.35 | per audit, no income loan. |
| XXXX | 423 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.217 | 1 | per audit, Lender Calculation 1.94. Difference due to lower HOI payment |
| XXXX | 424 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 53.51 | 54.24 | Per 1008. |
| XXXX | 424 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.145 | 1.25 | Per 1008. |
| XXXX | 425 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.08 | 29.00 | Per 1008. |
| XXXX | 427 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.76 | 17.59 | Audit calculated higher debts. |
| XXXX | 428 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title. |
| XXXX | 430 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.17 | 17.94 | Audit calculated higher debts. |
| XXXX | 431 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.108 | 1 | Matches lender DSCR calc. 1.10819 in file |
| XXXX | 434 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 51.41 | 54.80 | Audit matches 1008 in the file |
| XXXX | 434 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.08 | 1.25 | Audit matches UW Worksheet DSCR |
| XXXX | 435 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 53.33 | 56.14 | Per 1008. |
| XXXX | 435 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1 | 1.25 | Per 1008 DSCR Calc. |
| XXXX | 436 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Audit value is from appraisal. |
| XXXX | 436 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.135 | 1.0805 | Reviewed value is the same as the lenders calculated value. |
| XXXX | 437 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.223 | 1 | Audit matches Lenders DSCR calculation |
| XXXX | 438 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.923 | 1.02 | Per audit, DSCR calculation in file had lower monthly tax amount. |
| XXXX | 441 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.91 | 38.84 | Audit in line with 1008, tape source unknown. |
| XXXX | 442 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per Note. |
| XXXX | 442 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.492 | 2.3643 | Audit matches lender DSCR Calculator |
| XXXX | 443 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.648 | 1.629 | Per 1025 market rents / Final PITI |
| XXXX | 444 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Title. |
| XXXX | 447 | XXXX | XXXX | Property City | notePage | XXXX | XXXX | Per Note |
| XXXX | 451 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| XXXX | 451 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.49 | 27.27 | DTI within 2% tolerance of AUS DTI. Tape source unknown. |
| XXXX | 452 | XXXX | XXXX | ARM Initial Fixed Rate Period | notePage | 60 | 84 | Per Note |
| XXXX | 454 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.52 | 8.73 | Audit in line with 1008 |
| XXXX | 456 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 457 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Title |
| XXXX | 457 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.48 | 39.74 | In line with 1008. |
| XXXX | 458 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.954 | 0.94 | Audit matches lender calculations on 1008. |
| XXXX | 459 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.549 | 1.25 | Per audit, matches lender calc |
| XXXX | 460 | XXXX | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Per Final HUD |
| XXXX | 460 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 77.21 | 70.00 | LTV calculated using listing price per guidelines |
| XXXX | 460 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.924 | 0.859 | Audit review matches Lender DSCR Calculator. |
| XXXX | 461 | XXXX | XXXX | Interest Only Flag | notePage | Yes | No | Per Note |
| XXXX | 461 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| XXXX | 462 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 462 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal. |
| XXXX | 466 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.322 | 1.25 | Audit matches lender DSCR calculation |
| XXXX | 468 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.85 | 39.29 | Per audit using negative rental income, tape includes positive rental income which is not supported. |
| XXXX | 469 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | PUD | Per appraisal & title. |
| XXXX | 469 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.031 | 1.04 | Lender did not include the HOA fee |
| XXXX | 471 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.58 | 37.06 | Matches lenders DTI per 1008 |
| XXXX | 472 | XXXX | XXXX | Property City | notePage | XXXX | XXXX | Per Note |
| XXXX | 474 | XXXX | XXXX | Date Last Rate Was Set | tridLePageInitial | XXXX | XXXX | per CD |
| XXXX | 475 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | 475 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 785 | 831 | Per Credit Report |
| XXXX | 476 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.189 | 1.23 | Audit matches lenders DSCR calc per wksht |
| XXXX | 478 | XXXX | XXXX | Lender Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 478 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per Appraisal. |
| XXXX | 481 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| XXXX | 481 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.996 | 1.05 | Audit DSCR= Market rent/ PITIA. |
| XXXX | 483 | XXXX | XXXX | Originator Doc Type | employmentIncomePage | 24 Month Bank Statement | 12 Month Bank Statement | Per docs & lender |
| XXXX | 484 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 68.25 | 68.26 | Per 1008 |
| XXXX | 486 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 486 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.73 | 44.75 | Per Lender's ICW, it appears that they did not use the Expense Ratio of 15% (per CPA Letter) and allowed some transfers to be calculated into the income. |
| XXXX | 487 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per title |
| XXXX | 487 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.226 | 1.9749 | Per 1007 market rents / Final PITIA |
| XXXX | 488 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 62.2 | 61.24 | Loan amount / appraised value. |
| XXXX | 488 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.146 | 1.05 | Variance due to higher P&I as per Note. |
| XXXX | 490 | XXXX | XXXX | Lender Name | notePage | XXXX | XXXX | Per note |
| XXXX | 493 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.314 | 1.25 | DSCR worksheet reflects 1.35%, used a lower P&I payment |
| XXXX | 495 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.122 | 1.01 | Variance due to lender calc higher P&I. |
| XXXX | 496 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 667 | 661 | Primary Wage earner Mid Fico per credit. |
| XXXX | 498 | XXXX | XXXX | Originator Doc Type | employmentIncomePage | 2YR Full Doc | XXXX | Per income documents |
| XXXX | 500 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | Primary residence |
| XXXX | 501 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | 749000.00 | Per appraisal |
| XXXX | 501 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 9.24 | 12.00 | Audit in-line lender 1008 |
| XXXX | 502 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 502 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 9.07 | 12.00 | Audit excluded a Amex pmt-due monthly |
| XXXX | 503 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Single Family Detached | Per appraisal |
| XXXX | 504 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.97 | 31.00 | Audit matches Lender's 1008 |
| XXXX | 505 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Audit includes the HOA |
| XXXX | 509 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 75 | 72.85 | Per 1008 / Approval |
| XXXX | 511 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | High Rise Condo | per appraisal report |
| XXXX | 511 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 44.49 | 47.00 | per asset docs |
| XXXX | 513 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | 513 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Final 1003 |
| XXXX | 516 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.01 | 9.00 | Per Assets Docs. |

---

## Exhibit 99.3

**Exhibit 99.3**

![](n5122clayton_img001.jpg)

![](n5122clayton_img002.jpg)

---

| |
|:---|
| **6/11/2025** |
| **Due Diligence Narrative Report** |

---

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;TPR Component Review Scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| &nbsp;&nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **9** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **14** |

---

 **

 ****

 ****

 

 **

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 1 June 11, 2025

&nbsp;&nbsp;**CLAYTON CONTACT INFORMATION**

Client Service Management:

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| | | |
|:---|:---|:---|
| ![](n5122clayton_img004.jpg) | **Ralph Fox** | Client Services Senior Director |
|  |  | Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u> |
| ![](n5122clayton_img004.jpg) | **Joe Ozment** | Vice President of Client Services and Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

&nbsp;&nbsp;**OVERVIEW**

On behalf of Citadel Investment Group, Clayton conducted an independent third-party pre-securitization due diligence review of 111 residential loans.

On behalf of eResi Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of 66 residential loans.

On behalf of HomeXpress, Clayton conducted an independent third-party pre-securitization due diligence review of 34 residential loans.

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan.

On behalf of Capital Alliance, Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan.

Loan Funding Structure VI LLC subsequently purchased these loans via Reliance Letter and selected them for the BRAVO 2025-NQM6 transaction.

The loans referenced in this narrative report were reviewed on a flow basis from April 2024 to April 2025 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

&nbsp;&nbsp;**<br>ORIGINATORS**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;176 | &nbsp;&nbsp;82.63% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;37 | &nbsp;&nbsp;17.37% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**213** | &nbsp;&nbsp;**100.00%** |

---

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 2 June 11, 2025

**Clayton's Third Party Review ("TPR") Scope of Work**

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and was performed in accordance with rating agency<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

SAMPLING

For all originators in this transaction, 83.57% of the loans received a Full Review as described below.

Review Type Loan Counts:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | 178 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | 213 |  |

---

\*35 loans were not reviewed for regulatory compliance in accordance with paragraph 2 of the "Compliance Review (Business Purpose, Non-Owner Occupied)"

LOAN GRADING

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

Clayton's loan grading complied with rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Kroll, DBRS and Morningstar.

TPR COMPONENT REVIEW SCOPE

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

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 3 June 11, 2025

CREDIT REVIEW

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Examined Data Verify risk evaluation report, which was located in each loan file, for income, employment, Nationwide Mortgage Licensing
System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information against loan documentation
and assigned loan conditions accordingly.

PROPERTY VALUATION REVIEW

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original Appraisal Assessment (213 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value Supported Analysis (105 loans) Clayton applied a cascade methodology to determine if the original appraised value was reasonably
supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;<br>

&nbsp;&nbsp;&nbsp;&nbsp;● AVM

&nbsp;&nbsp;&nbsp;&nbsp;● BPO

&nbsp;&nbsp;&nbsp;&nbsp;● Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;● Field Review

&nbsp;&nbsp;&nbsp;&nbsp;● Second Full Appraisal

122 loans had CU scores of 2.5 or less and and did not require a third party valuation. For further detail please refer to the BRAVO 2025-NQM6 Valuations Summary Report

REGULATORY COMPLIANCE REVIEW

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 4 June 11, 2025

The scope of the compliance review performed is summarized below:

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

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point. Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

– Prepayment Penalty restrictions.

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

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

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

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 5 June 11, 2025

Compliance Review Scope may be formally amended by the SFA RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

Following the June 15th formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope.

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

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

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

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

● Virginia Lender and Broker Act after 6/1/2008

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payments

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 6 June 11, 2025

DATA INTEGRITY

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

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

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

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

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

DATA CAPTURE

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

**DATA COMPARE RESULTS**

Clayton provided Loan Funding Structure VI LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.06% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;5 | &nbsp;&nbsp;97.65% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;8 | &nbsp;&nbsp;96.24% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.53% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;20 | &nbsp;&nbsp;90.61% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;97.18% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;DTI Qualifying (Back) | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.06% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.53% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.53% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;8 | &nbsp;&nbsp;96.24% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.53% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.53% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.06% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.12% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;91.55% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.53% |
| &nbsp;&nbsp;Rate Lock Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;91.08% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;12 | &nbsp;&nbsp;94.37% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.12% |

---

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 7 June 11, 2025

**CLAYTON DUE DILIGENCE RESULTS**

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

**Initial and Final Overall Loan Grade Results\***

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 91 |  | 20 | 42 | **153** |
| **Final** | **B** |  | 24 | 15 | 21 | **60** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **91** | **24** | **35** | **63** | **213** |

---

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

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 115 |  | 11 | 43 | **169** |
| **Final** | **B** |  | 27 | 6 | 11 | **44** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **115** | **27** | **17** | **54** | **213** |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 188 | 1 | 7 | 6 | **202** |
| **Final** | **B** |  | 3 | 8 |  | **11** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **188** | **4** | **15** | **6** | **213** |

---

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 8 June 11, 2025

**Initial and Final Regulatory Compliance Grade Results\***

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 143 |  | 14 | 9 | **166** |
| **Final** | **B** |  | 3 | 8 | 1 | **12** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **143** | **3**  | **22** | **10** | **178** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (35 loans in pool)

**CLAYTON THIRD PARTY REPORTS DELIVERED**

Clayton furnished the following reports on this transaction:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Waived Conditions Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. NON-ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. ASF Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Rating Agency ATR/QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Standard Upload

**APPENDIX A: CREDIT REVIEW SCOPE**

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

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

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

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

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

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

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

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

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

– Citizenship status

– Non- occupant co-borrower

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

Maximum loan amount

– Loan purpose

– Occupancy

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 9 June 11, 2025

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

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

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

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

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

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Award letters

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Depository
 account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Settlements
 statements

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

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

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

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

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 10 June 11, 2025

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

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

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Leasehold
 estate

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

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

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

– Seller contributions did not exceed maximum allowed

– Subject property, seller and borrower aligned with other loan documentation

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

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

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

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

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

– Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

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

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

– Determined if mortgage insurance is required

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

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

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

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

– Social Security inconsistencies

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 11 June 11, 2025

– Borrower name variations

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

– Borrower address history

– Subject property ownership history

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

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

– Mortgage lender/originator

– Loan officer

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

**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT**

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

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

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

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

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

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

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

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

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

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

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location
 map

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 12 June 11, 2025

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Predominant
 occupancy

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

BRAVO 2025-NQM6 Due Diligence Narrative Report Page \| 13 June 11, 2025

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the
Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State
law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal
or State law

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

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

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

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

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

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

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

**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal,

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state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosure Rule: "The Initial TRID Scope" and "RMBS 3.0 TRID
 Compliance Review Scope©"

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Timing
 Requirements:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee
 Tolerances:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Payment
 Schedule Accuracy:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;● Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;● Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Technical
 Requirements

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;● Alphabetization of fees.

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Waivers

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Related
 Documentation

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

---

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

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

---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

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---

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

---

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

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

---

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

---

See above for additional details on Consumer Protection Laws and the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope.

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

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

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

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

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

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

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## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2025-NQM6** |
| **Start - End Dates:** | **4/2/2024 - 4/1/2025** |
| **Deal Loan Count:** | **213** |
| *Report Run Date:* |  |
| **Conditions Report** | **2.0** |
|  ***Loans in Report:*** | *213* |
|  ***Loans with Conditions:*** | *122* |

---

---

| |
|:---|
| **8 - Total Active Conditions** |
| **8 - Non-Material Conditions** |
| 6 - Credit Review Scope |
| 4 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: Credit/Mtg History |
| 1 - Category: Income/Employment |
| 1 - Property Valuations Review Scope |
| 1 - Category: Property |
| 1 - Compliance Review Scope |
| 1 - Category: State Consumer Protection |
| **208 - Total Satisfied Conditions** |
| 113 - Credit Review Scope |
| 10 - Category: Application |
| 12 - Category: Assets |
| 10 - Category: Credit/Mtg History |
| 5 - Category: DTI |
| 20 - Category: Income/Employment |
| 12 - Category: Insurance |
| 24 - Category: Legal Documents |
| 1 - Category: LTV/CLTV |
| 18 - Category: Terms/Guidelines |
| 1 - Category: Title |
| 27 - Property Valuations Review Scope |
| 9 - Category: Appraisal |
| 10 - Category: FEMA |
| 6 - Category: Property |
| 2 - Category: Value |
| 68 - Compliance Review Scope |
| 14 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: APR Tolerance |
| 1 - Category: Compliance Manual |
| 3 - Category: Documentation |
| 1 - Category: Federal Consumer Protection |
| 2 - Category: Finance Charge Tolerance |
| 1 - Category: RESPA |
| 5 - Category: Right of Rescission |
| 1 - Category: Texas Home Equity |
| 1 - Category: TILA |
| 38 - Category: TILA/RESPA Integrated Disclosure |
| **48 - Total Waived Conditions** |
| 44 - Credit Review Scope |
| 2 - Category: Assets |
| 8 - Category: Credit/Mtg History |
| 1 - Category: DTI |
| 4 - Category: Income/Employment |
| 1 - Category: Insurance |
| 15 - Category: LTV/CLTV |
| 12 - Category: Terms/Guidelines |
| 1 - Category: Title |
| 4 - Property Valuations Review Scope |
| 1 - Category: Appraisal |
| 3 - Category: FEMA |

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©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.3

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2025-NQM6** |
| **Start - End Dates:** | **4/2/2024 - 4/1/2025** |
| **Deal Loan Count:** | **213** |
| *Report Run Date:* |  |
| **Conditions Report** | **2.0** |
|  ***Loans in Report:*** | *213* |
|  ***Loans with Conditions:*** | *122* |

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 123 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: 4.6 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 12.9 years employed with XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 14.8 years in the XXX industry. |
| 124 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Provide the XXX XXX XXX XXX XXX XXX for account #XXX. | XXX please find the may XXX for review.XXX exception satisfied | XXX exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: File has XXX months in reserves.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 757.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower's have been in the same profession for 10 years. |
| 124 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide the XXX XXX XXX XXX XXX XXX for account #XXX. | XXX please find the may XXX for review. | 10.11.24 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: File has XXX months in reserves.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score is 757.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower's have been in the same profession for 10 years. |
| 126 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 107+ Months Consumer Credit reporting |
| 127 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing final settlement statement for departure residence at XXX to not include REO PITIA payment into borrower's DTI calculation. | 3.7.25 Final settlement statement for XXX has been uploaded,3.10.25 exception satisfied | 3.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 43mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 31.23% DTI; max 55%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 650 qual score; min 600. |
| 127 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | A D B | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing final settlement statement for departure residence at XXX to verify sale proceeds required for funds to close and to not include REO PITIA payment into borrower's DTI calculation; XXX incoming wire along with subject purchase contract addendum for contingency for sale of buyer's property have been provided. | 3.7.25 Final settlement statement for XXX has been uploaded,3.10.25 exception satisfied | 3.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 43mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 31.23% DTI; max 55%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 650 qual score; min 600. |
| 127 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | A D B | D | A | Property Valuations | Property | Active B | PRVAPROP177 | Property Issues Indicated | No | Subject property is on XXX exceeding the XXX max. Lender exception in file. XXX deems this non-material due to the following compensating factors LTV XXX, Low DTI 31.22%, 17 years in current profession and XXX years at current residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 43mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 31.23% DTI; max 55%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 650 qual score; min 600. |
| 128 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, XXX status is QM Rebuttable APOR due to Benchmark Date XXX, loan has a test APR 8.824%, the Benchmark Rate was 7.070%; Variance 1.754%; max allowed is 1.500%. | 2.27.25 Client response; We accept the determination on this and please clear the exception.2.27.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 2.27.25 XXX memo; exception satisfied; | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves in file or XXX months PITI > required guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrowers have stable employment being XXX with same company for the past 18 years |
| 128 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt for initial CD issued XXXX | 2.27.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 2.27.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves in file or XXX months PITI > required guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrowers have stable employment being XXX with same company for the past 18 years |
| 128 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for initial CD issued XXX. | 2.27.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 2.27.25-Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves in file or XXX months PITI > required guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrowers have stable employment being XXX with same company for the past 18 years |
| 128 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APOR status based upon XXX review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves in file or XXX months PITI > required guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrowers have stable employment being XXX with same company for the past 18 years |
| 129 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Provide WVOE for monthly income of XXX. Employer to confirm 10 or 12 months pay per year. Pay stubs provided do not include YTD gross earnings, pay stubs do not include period start - end dates. | 3.3.25 Written verification from employer confirms pay is for 12 months per year3.3.25 exception satisfied | 3.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 621 credit score; 600 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; XXX% maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or XXX months PITI reserves; 0 required reserves. |
| 130 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Insurance Policy | 3.19.25 flood insurance policy has been provided3.19.25 exception satisfied | 3.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $ XXX reserves in file or XXX months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 725 qualifying score exceeds 660 requirements<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has had stable employment in the same profession for the past 30+ years. |
| 132 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 3.17.2025-Client's response: March 17th 2025, 4:54:59 pmFinal settlement statement has been uploaded, please clear condition.3.17.2025-XXX's response: Received the Final HUD1, exception satisfied. | 3.17.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 766 credit score; 660 minimum required score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned the primary residence XXX years.Co-Borrower has owned the primary residence XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 21 years in the same profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or XXX months PITI reserves; guidelines require XXX months reserves. |
| 133 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, XXX status is QM Rebuttable APOR due to: Benchmark Date XXX loan has a Test APR of 8.934%; the Benchmark Rate was 6.870%; Variance 2.064%, max allowed 1.500%. | 3.14.25 Client response; We accept the determination on this and please clear the exception.3.17.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 3.17.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline maximum of XXX% for an Alt Doc purchase with a 725 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.06% is below guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or XXX months. 6 months required. |
| 133 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APSOR status based upon XXX review | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline maximum of XXX% for an Alt Doc purchase with a 725 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.06% is below guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or XXX months. 6 months required. |
| 134 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor APOR; XXX status is QM Rebuttable APOR due to: Benchmark Date XXX; loan has a Test APR of 8.235%; the Benchmark Rate was 6.730%; Variance 1.505%; Max allowed is 1.5000% | 3.24.25 Client response; We accept the determination on this and please clear the exception.3.24.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 3.24.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 27.87 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 746 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 129 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV per review;XXX% LTV is maximum allowed per guidelines. |
| 134 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APOR status based upon XXX review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 27.87 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 746 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 129 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV per review;XXX% LTV is maximum allowed per guidelines. |
| 135 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH120 | Collections, charge offs, liens, etc. exceed guidelines | No | Collections, charge offs, liens, etc. exceed guidelines. File has a charge off from XXX | After further review, XXX deems this non-material due to the following compensating factors; 727 FICO, 20 years at current employment, and XXX months in reserves. | Non-material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or XXX months PITI reserves; guidelines require XXX months reserves.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 20 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 727 credit score; 660 minimum required score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 30.35% DTI; 50% maximum DTI |
| 136 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX or XXX months PITI reserves; 0 required reserves.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 8.08 years in the same profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30x30 mortgage payment history |
| 137 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Lender approved exception for self-employment less than two years; "The borrower, a first-time homebuyer, is applying under the 12-month cash flow program and has been XXX for over a year but less than two years. He previously owned a convenience store and now operates a liquor store, demonstrating continuity in business ownership and stable, consistent income. With a low LTV and a current rent payment of $XXX/month, he has shown strong financial responsibility. While the program traditionally caters to white-collar professionals (ie, XXX, XXX, XXX, etc) , we are requesting a credit exception based on his proven cash flow, industry continuity, and strong financial profile."Compensating factors are FICO 751, and 6 months reserves. Client will do this on a case by case basis. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 751 qualifying score exceeds 660 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or XXX months PITI > required guidelines<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 60 months with 0x30 consumer credit payment history exceeds guidelines of 24 months |
| 138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Provide Verification of Employment within 10 days of closing. | 3.18.2025 Client responded - VOE attached was completed on XXX closing date was XXX please clear findings.3.18.2025 Client provided VOE within 10 days of closing. Exception satisfied | 3.18.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Very Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX Months Reporting Positive<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX Months Reserves |
| 139 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Satisfied with PCCD XXX. | (No Data) | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months reporting positive<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History |
| 139 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed | No | Satisfied with PCCD XXX. | (No Data) | Satisfied | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months reporting positive<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History |
| 139 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is XXX; disbursement date per Final CD in file is XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds Requires corrected PCCD, LOX, re-open of rescission-copy of shipping. | 3.20.25-Client provided PCCD issued XXX. Satisfied. | 3.20.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months reporting positive<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History |
| 139 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the XXX Calculated Total Payment Amount | No | Satisfied with PCCD XXX. | (No Data) | Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months reporting positive<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History |
| 140 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt for CD's issued XXX and XXX. | 3.13.25-Client provided CDs issued XXX & XXX, both e-signed on date of issuance. Satisfied. | 3.13.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX LTV < guideline maximum of XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for XXX years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 168 months with 0x30 consumer credit payment history exceeds guidelines of 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or XXX months PITI ; no reserves required |
| 140 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for CD's issued XXX and XXX. | 3.13.25-Client provided CDs issued XXX & XXX, both e-signed on date of issuance. Satisfied. | 3.13.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX LTV < guideline maximum of XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for XXX years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 168 months with 0x30 consumer credit payment history exceeds guidelines of 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or XXX months PITI ; no reserves required |
| 141 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or XXX months. Reserves not required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 643 exceeds guideline minimum of 620 for an Alt Doc cash out refinance at XXX LTV.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 7.82% is below guideline maximum of 55%. |
| 142 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | No Confirmation of Receipt of Initial CD Dated XXX at least 3 days prior to Consummation Date XXX. Please provide Confirmation of Receipt of Initial CD. | 3.18.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 3.18.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or XXX months PITI reserves; guidelines require XXX months reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 728 credit score; 660 minimum required score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 16 years in the same profession |
| 142 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | No Confirmation of Receipt of Initial CD Dated XXX at least 3 days prior to Consummation Date XXX. Please provide Confirmation of Receipt of Initial CD. | 3.18.25-Client provided CD issued XXX, e-signed XXX. Provide proof of receipt of LE issued XXX.3.19.25-Client provided LE issued XXX and proof of receipt via email on XXX. Satisfied. | 3.19.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or XXX months PITI reserves; guidelines require XXX months reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 728 credit score; 660 minimum required score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 16 years in the same profession |
| 142 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 12 months business bank statements for qualifying income of XXX/mo. File contains XXX #XXX: XXX, XXX, XXX, XXX and XXX | 3.17.25 A copy of the remaining bank statements have been uploaded3.18.25 exception satisfied | 3.18.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or XXX months PITI reserves; guidelines require XXX months reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 728 credit score; 660 minimum required score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 16 years in the same profession |
| 143 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX or XXX months PITI reserves; 0 required reserves.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned the primary residence XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 25 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 749 credit score; 640 minimum required score |
| 148 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide proof of receipt for CD dated XXX. | 3.19.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 3.19.25- Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 17.05% DTI; 50% maximum DTI<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 21 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 784 credit score; 660 minimum required score |
| 148 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof of receipt for CD dated XXX. | 3.19.25-Client provided CD issued XXX, e-signed . Satisfied. | 3.19.25- Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 17.05% DTI; 50% maximum DTI<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has 21 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 784 credit score; 660 minimum required score |
| 149 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: XXX Months reporting<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Per XXX VOM in file. O late payments since 2015 |
| 150 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing PITI for XXX. | 3.24.2025-Client's response: March 21st 2025, 7:35:19 pmPlease find the piti for review.3.24.2025-XXX's response: Received the PITI for XXX, exception satisfied. | 3.24.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or XXX months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below guideline maximum of XXX for an Alt Doc purchase with a 763 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since 4/10/2006. |
| 150 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire | 3.24.2025-Client's response: March 21st 2025, 7:29:19 pmPlease find the HOA for review.3.24.2025-XXX's response: Received the HOA Certificate/Questionnaire, exception satisfied. | 3.24.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or XXX months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below guideline maximum of XXX for an Alt Doc purchase with a 763 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since 4/10/2006. |
| 151 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX LTV < guideline maximum of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 700 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves in file or XXX months PITI > required guidelines |
| 152 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing 10 day VVOE | 3.21.25 VVOE has been provided, 3.21.25 exception satisfied | 3.21.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower ha owned the subject property XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 699 credit score; 660 minimum required score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 48.07% DTI; 55% maximum DTI |
| 153 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or XXX months PITI reserves; 0 required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 682 credit score; 600 minimum required score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 6.92 years in the same profession |
| 154 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned the departing primary residence XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 34.25 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 790 credit score; 660 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or XXX months PITI reserves; guidelines require XXX months reserves |
| 155 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR receipt date of XXX. Form reflects Earliest ROR Expiration Date as XXX. Actual earliest ROR Expiration Date is XXX. Provide corrected H8 form reflecting as such executed on XXX | 3.26.25-Client provided corrected H8 ROR form, with borrower initialed changes. Satisfied. | 3.26.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per VOE B1 has been on job since 1/12/1989.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Per VOE B2 has been on job since 7/18/2017.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has never been 1X30 with history from 12/2008. |
| 155 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's loan approval/underwriting form | 3.26.25 Please find the final Loan Approval3.26.25 exception satisfied | 3.26.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per VOE B1 has been on job since 1/12/1989.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Per VOE B2 has been on job since 7/18/2017.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has never been 1X30 with history from 12/2008. |
| 157 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or XXX months. XX months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below guideline maximum of XXX for an Alt Doc purchase with a 770 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since 11/8/2021. |
| 158 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Texas Home Equity | Satisfied C B | CMPTXHE108 | XXX Equity - Total fees greater than the allowable cap | No | Adjusted Charges XXXTotal Loan Amount XXXMaximum Charges 2.000%Maximum Charges XXXCharges Margin to Threshold XXXTotal Charges % 2.139%Exceeds fees test threshold? YesFees included in calculation are Underwriting XXX, Credit Report XXX, Administrative XXX Settlement Closing XXX, Doc Prep XXX, Recording Mortgage XXX, Tax Cert XXX, and Title XXX Guaranty Fee XXX | 3.31.25-Client provided Comp Ease report applying lender credit for APR fees. Satisfied. | 3.31.25-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 681 credit score; 640 minimum required score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned the primary residence XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 22.67 years in the same profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30x61 months mortgage payment history |
| 158 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD with confirmation of receipt issued 3 days prior to closing. | 3.27.25-Client provided CD issued XXX e-signed XXX. Satisfied. | 3.27.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 681 credit score; 640 minimum required score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned the primary residence XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 22.67 years in the same profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30x61 months mortgage payment history |
| 158 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD with confirmation of receipt issued 3 days prior to closing. | 3.27.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 3.27.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 681 credit score; 640 minimum required score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned the primary residence XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 22.67 years in the same profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30x61 months mortgage payment history |
| 158 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 1003 REO for XXX reflects XXX, XXX (2nd mtg), not documented in file.XXX mortgage XXX P/I, no insurance or tax is provided. | 4.9.2025 Client responded - no 2nd exist of XXX that was an error by the UW it has been removed and uploaded corrected 1003 and prelim4.9.2025 Client provided an updated 1003 and title verifying there was not a 2nd mortgage. XXX statement shows the property XXX that the payment is interest only. Missing Insurance and tax payments for the property. Exception remains4.15.2025-Client's response: April 15th 2025, 1:23:29 pmMortgage for XXX is for borrowers business location. Mortgage is paid by the business as evidenced in business bank statements used for income. As such, this debt should not be counted in the overall DTI as it is already accounted for in the business expense factor used to calculate the income. Please see attached updated 1003 and 1008 and clear finding.4.15.2025-XXX's response: Reviewed the bank statements reflecting the payment to XXX in the amount of XXX monthly. Exception satisfied. | 4.9.2025 Exception remains4.15.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 681 credit score; 640 minimum required score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned the primary residence XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 22.67 years in the same profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30x61 months mortgage payment history |
| 159 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing XXX #XXX 11/30/2023 statement. | 4.2.25 4.1.25 At its discretion, XXX may accept fewer than 24 months of bank statements provided that XXX takes the total deposits for the months it has and divides by 24. When removing XXX deposits from the income calculation, XXX income decreases to XXX. This decreases the total income, including Child Support of XXX and Asset Assist of XXX, to XXX. Impact on qualification is minimal bringing DTI to 33.77% / 37.85%. | 4.2.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per XXX letter borrower has been in business for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline maximum of 90% for an Alt Doc purchase with a 771 credit score<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 771 exceeds guideline minimum of 600 for an Alt Doc purchase at 50% LTV. |
| 159 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations. | 3.31.25- Client provided 55 page initial docs package, including LE issued XXX and homeowner counseling list. Satisfied. | 3.31.25-Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per XXX letter borrower has been in business for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline maximum of 90% for an Alt Doc purchase with a 771 credit score<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 771 exceeds guideline minimum of 600 for an Alt Doc purchase at 50% LTV. |
| 159 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application date is XXX. LE provided dated XXX. Missing initial LE within 3 days of application date. | 3.27.25-Please re-upload documentation, No documents show received.3.31.25- Client provided 55 page initial docs package, including LE issued XXX and homeowner counseling list. Satisfied. | 3.31.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per XXX letter borrower has been in business for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline maximum of 90% for an Alt Doc purchase with a 771 credit score<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 771 exceeds guideline minimum of 600 for an Alt Doc purchase at 50% LTV. |
| 160 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX Months Reserves<br>CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive Mortgage History reflected on Credit |
| 161 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Provide Final HUD-1. HUD-1 in file is illegible. | 3.28.25 A copy of the signed FSS and a clean unsigned copy have been provided, 3.28.25 exception satisfied | 3.28.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX or XXX months. XXX months required.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per VOE borrower has been on job since 1/3/2011.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has never been 1X30 with history from 1/2018. |
| 162 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | State Consumer Protection | Active B | CMPSTCP1155 | XXX Home Loans -'Amounts Earned' Disclosure not dated within 3 days of Broker App Date | No | Broker amounts earned disclosure dated XXX is not within 3 days of application dated XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX Months Reserves<br>CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX Months Positive Mortgage History |
| 163 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM: Safe Harbor (APOR); XXX status is Rebuttable Presumption APOR based on: Benchmark date XXX; loan has Test APR of 8.257%; the Benchmark Rate is 6.620%; variance 1.637%; maximum allowed is 1.5000%. | 3.24.25 Client response; We accept the determination on this and please clear the exception.3.25.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 3.25.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 8.67 years in the same profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or XXX months PITI reserves; guidelines require XXX months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 24.06% DTI; 55% maximum DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 650 credit score; 620 minimum required score |
| 163 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of initial CD issued XXX at least 3 business days prior to closing. | 3.25.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 3.25.25-Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 8.67 years in the same profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or XXX months PITI reserves; guidelines require XXX months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 24.06% DTI; 55% maximum DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 650 credit score; 620 minimum required score |
| 163 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of initial CD issued XXX at least 3 business days prior to closing. | 3.25.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 3.25.25- Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 8.67 years in the same profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or XXX months PITI reserves; guidelines require XXX months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 24.06% DTI; 55% maximum DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 650 credit score; 620 minimum required score |
| 163 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APOR status based upon XXX review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has 8.67 years in the same profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX or XXX months PITI reserves; guidelines require XXX months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 24.06% DTI; 55% maximum DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 650 credit score; 620 minimum required score |
| 164 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | The handwritten letter of explanation executed by the borrower, business owner, describing the potential impact on the business if business funds are used for closing was not in the file as required by the guidelines. The Bank of XXX account #XXX is needed for the transaction. | (No Data) | 2/13/2025: Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrowers have a 780 credit score which is 30 points above the required 750 with a LTV up to XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The DTI ratio is 28.28%; maximum allowed is 50%. |
| 164 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | The XXX Non-Agency Lender loan eligibility guidelines for first liens indicate manufactured home on a permanent foundation are eligible on a case by case basis and if the subject is rural the comparable properties can not be more than 5 milts from the subject. In this case, the subject is a manufactured home with 3 of the 7 comparable properties being over XXX from the subject (XXX, XXX & XXX) | (No Data) | 02/25/2024 - client commentary indicates this is not in the guide - went and reviewed guides again and didn't see the XXX requirement. Cleared | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrowers have a 780 credit score which is 30 points above the required 750 with a LTV up to XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The DTI ratio is 28.28%; maximum allowed is 50%. |
| 165 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV of XXX exceeds max LTV of XXX. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at primary residence for over XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 745 exceeds min score requirement of 725.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets/reserves verified XXX or XXX mos. |
| 166 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 699 exceeds guidelines 675.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years. |
| 167 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Waived D B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Provide documentation to support the EMD XXX and has cleared borrowers account. | 4/15/25- Client provided updated ULAW with comment- Ok per JJ to waive the EMD clearance, comp factors, 718 FICO, borr XXX 4+ years, subject noted to be well maintained. Exception acknowledged and waived | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: B1 has owned primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been XXX at current job for 15 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: B1 has mortgage payment history 0x30 since 8/2006. |
| 167 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing the 12/31/2024 statement from XXX #XXX to complete income calculation. | 4/15/25- Client updated missing Dec bank stmt for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: B1 has owned primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been XXX at current job for 15 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: B1 has mortgage payment history 0x30 since 8/2006. |
| 167 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide use of business funds letter and effect on business or documentation from sale of REO with final net proceeds as listed on the Asset Summary in file. | 4/15/2025- HUD provided from REO refi with net proceeds of XXX verified | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: B1 has owned primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been XXX at current job for 15 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: B1 has mortgage payment history 0x30 since 8/2006. |
| 168 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 696 exceeds min score requirement of 675. |
| 169 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per HUD, taxes calculated at XXX and included City and County taxes. DSCR recalculated <1, which maximum LTV is XXX. Subject loan is XXX | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 696 qualifying score. Min required per guidelines is 675. |
| 170 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 745 qualifying score. Min required per guidelines is 725.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for 29 months when 12 months are required. |
| 171 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV XXX exceeds the maximum for No Ratio program of XXX Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: B1 has owned primary residence for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has mortgage payment history 0x30 since 1/2005.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 812 exceeds guidelines 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines $0. |
| 172 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX is below guideline requirements of XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years. |
| 173 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's Underwriting Loan Approval Worksheet. | 03/03/2025 lender provided Underwriting Worksheet & Approval | 03/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified at XXX less cash from borrower XXX equals XXX or XXX months PITIA. Reserves are not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX. |
| 174 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Flood cert in file is not fully legible | 03/19/2025 lender provided Flood Certificate | 03/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 782 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years. |
| 175 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of XXX exceeds max LTV of XXX. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for over XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Credit report with a mortgage rating of 0x30x35.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified XXX CTC XXX leaves reserves of XXX or XXX mos. |
| 176 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below max LTV of XXX |
| 177 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years. |
| 178 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing complete 1004 appraisal with all pages, schedules and pictures along with 1007 Market Rent form. | 03/12/2025 lender provided Appraisal | 03/12/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Credit report with a mortgage rating of 0x30x99.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for over XXX years. |
| 179 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 759 exceeds min score requirement of 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Credit report with a mortgage rating of 0x30x23. |
| 180 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing the Comparable Rent Schedule showing rent amount of XXX | 03/14/2025 lender provided Lease Agreement reflecting XXX rent used for rental income | 03/14/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 711 exceeds guidelines 675.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for 4 years. |
| 180 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing the complete appraisal, file contains pages 1-5 only. | 03/14/2024 lender provided Appraisal | 03/14/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 711 exceeds guidelines 675.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for 4 years. |
| 180 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR271 | Comp photos are missing | No | Missing the complete appraisal, file contains pages 1-5 only. | 03/14/2025 lender provided Appraisal | 03/14/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 711 exceeds guidelines 675.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for 4 years. |
| 180 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR281 | Subject Photos are missing | No | Missing the complete appraisal, file contains pages 1-5 only. | 03/14/2025 lender provided Appraisal | 03/14/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 711 exceeds guidelines 675.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for 4 years. |
| 180 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR284 | Appraiser License Missing | No | Missing the complete appraisal, file contains pages 1-5 only. | 03/14/2025 lender provided Appraisal | 03/14/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 711 exceeds guidelines 675.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for 4 years. |
| 181 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below maximum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX. required reserves XXX |
| 182 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI. |
| 183 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | DSCR is 0.9076 (XXX Rent Schedule / XXX PITIA). Guidelines minimum DSCR is 1.2 for XXX Borrower. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence. |
| 184 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV XXX File LTV XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 719 qualifying score. Min required per guidelines is 700.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence. |
| 185 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves (net proceeds from refinance) XXX exceed guidelines XXX.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned subject investment property for XXX years. |
| 186 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Property | Satisfied D A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | Appraisal in file does not indicate if the collateral can be re-built if destroyed. | 4/7/25- Certificate of Occupancy from XXX from 1/2025 showing approved permits to convert an SFR into a duplex and for a garage to ADU conversion. | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: No late mortgage payments.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 711 qualifying score. Min required per guidelines is 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX. |
| 187 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 807 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Credit report with a mortgage rating of 0x30x12. |
| 189 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified assets XXX funds to close XXX = post-closing reserves XXX, none required<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years. |
| 190 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0x30x40.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX. Required reserves $0.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX. |
| 191 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower only has 2 open tradelines | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 736 exceeds min score requirement of 725.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years XXX months. |
| 191 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV of XXX exceeds max LTV of XXX for a No ratio loan. Lender exception provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 736 exceeds min score requirement of 725.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current residence for XXX years XXX months. |
| 192 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 744 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: B1 has owned primary residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX is below guideline requirements of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: B1 has mortgage payment history 0x30 since XXX. |
| 193 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Flood cert not located in the loan file. | 3/21/24- Client uploaded Flood cert for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has lived at the current residence for XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Credit report with a mortgage rating of 0x30x46.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 729 exceeds min score requirement of 625. |
| 194 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 715 qualifying score. Min required per guidelines is 700. |
| 195 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 196 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | A | A D B C | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing hazard insurance policy. Only invoice provided for review. | 03/12/2025 lender provided Hazard Insurance | 03/12/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 704 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI. |
| 196 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D C | A | A D B C | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Appraised value XXX not supported. | (No Data) | Value supported by field review. Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 704 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI. |
| 197 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Per guidelines, maximum LTV for DSCR >.80 to <1.00 is 70% for purchase transaction. Subject loan is XXX LTV, with DSCR of 0.9480 | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 806 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 198 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 705 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI. |
| 199 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for over XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 806 exceeds min score requirement of 650.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Credit report with a mortgage rating of 0x30x27. |
| 200 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Provide signed Interest-Only Period Fixed Rate Note. | 3/21/2025- Client uploaded fully execute for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 781 qualifying score. Min required per guidelines is 750. |
| 201 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: B2 has lived at the current residence for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified assets XXX Funds to close XXX = post-closing reserves XXX or XXX mos, none required. |
| 202 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0x30s49.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below maximum of XXX |
| 203 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITI, guidelines required XXX months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 724 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for XXX months when XXX months are required. |
| 204 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Exception in file for rate of XXX% and PAR, XXX LTV For Purchase with FICO: 790, Loan Amount: XXX- Max LTV: XXX. Your LTVXXX | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXXX Required reserves $0.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0x30x99.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 773 exceeds min score requirement of 750. |
| 205 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has lived at the current residence for XXX years |
| 206 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 793 exceeds guidelines 750.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX is below guideline requirements of XXX |
| 207 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of XXX exceeds guidelines of XXX for DSCR <1. | 3/20/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 706 qualifying score. Min required per guidelines is 700. |
| 208 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX is below guideline requirements of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines $0. |
| 209 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV XXX File LTV XXX |
| 210 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX exceeds max LTV of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX%mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 783 exceeds min score requirement of 680. |
| 211 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. |
| 212 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing the final settlement statement from purchase of subject property XXX with purchase price of XXX | 04/21/2025 lender response: Uploading recorded Warranty Deed from purchase showing price and our entity. | 04/21/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has mortgage payment history 0x30 since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 726 exceeds guidelines 650. |
| 213 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment went from XXX to XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 745 qualifying score. Min required per guidelines is 725.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for XXX months when XXX months are required. |
| 214 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 month mortgage payment history for REO on XXX with XXX, if applicable. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 772 exceeds guidelines 700.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary residence for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has mortgage payment history 0x30 for XXX months. |
| 215 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Credit report with a mortgage rating of 0x30x83<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 767 exceeds min score requirement of 680.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at primary residence for over XXX years. |
| 216 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided in current owner occupied residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 755 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI. |
| 217 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 695 exceeds min score requirement of 640. |
| 218 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Per guidelines, collections are to be paid if less than 2 years old. Per credit report, XXX \*XXX reflect collection of $XXX, with date of last activity XXX, which is less than XXX years old. | 3/20/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 696 qualifying score. Min required per guidelines is 650.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for XXX months when XXX months are required. |
| 219 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 716 qualifying score. Min required per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 8.83%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITI, guidelines required XXX months PITI. |
| 220 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 221 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 696 qualifying score. Min required per guidelines is 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI. |
| 222 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Credit report with a mortgage rating of 0x30x50.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 783 exceeds min score requirement of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. |
| 223 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 711 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI. |
| 224 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for over XXX years. |
| 225 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: exceeds 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Exceeds XXX months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. No reserves required |
| 226 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV for no ratio DSCR is XXX. Loan approved at XXX | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has lived at the current residence for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 794 exceeds min score requirement of 660. |
| 227 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: B1 has owned primary residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX is below guideline requirements of XXX |
| 228 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX Trid Grid, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 763 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years |
| 228 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Income/Employment | Satisfied A | CRDINC3204 | Income Documentation Missing | No | 12 months Business bank statements reflects Mobile deposits that are being used toward income for services rendered, however unable to determine which mobile deposits are truly for services rendered. Additional documentation is required to support excessive mobile deposits are for services rendered. Most recent 6 months is acceptable to provide additional documentation for Year 2024 (October XXX), September (XXX and XX), August ($XXX, XXX, XXX, XXX) July ($XXX, $XXX, $XXX, $XXX and $XXX) June ($XXX, XXX, XXX) May (XXX, $XXX, $XXX and XXX). Upon receipt and review, income calculation is still to be finalized. | 11.26.2024 Client provided several most recent months copy of deposit slip and checks coming from XXX however it appears the deposits and checks provided are the Counter Credit deposits that were backed out vs the requested deposits. With review of these checks and deposits appears the counter credit deposits is the income (however was backed out) and the actual deposits that are being considered should be backed out. Condition remains for further clarification and for requested documentation in initial condition for large deposits that is being used towards income, checks provided are the Counter Credit deposits (which was backed out by Lender) vs the Mobile deposits that was being used for services rendered. Final income is still under review still need to determine which deposits are for services rendered. 11.26.2024 Client provided LOX stating for further review due to probably over documented what was requested by DD Firm and can see these deposits are services rendered from XXX Response, Client provided several most recent months copy of deposit slip and checks evidencing the income for deposits being used are coming from services rendered, appears to be all coming from XXX and per the Narrative Business statement from borrower, Majority of the business income is to maintain approximately 35 Apartment Complex w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 763 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years |
| 228 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Insurance | Waived B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI Policy effective date XXXDisbursement date XXX | 12.12.2024 Client provided exception approval for HOI policy effective date XXX and Disbursement date XXX which is a day off from disbursement date. | Final Grade B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 763 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years |
| 229 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided in current owner occupied residence for XXX years and 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 746 qualifying score. Min required per guidelines is 725.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required 0 months PITIA. |
| 230 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide LE's issued XXX, XXX, XXX & XXX per XXX & COC's in file. | 3.27.25-Client provided LE's dated XXX, XXX & XXX. Disregard request for LE XXX, requested in error. | 3.27.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 804 exceeds in score requirement of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Credit report with a mortgage rating of 0x30x46.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have lived at primary residence for over XXX years. |
| 231 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Score exceeds 700<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Below XXX<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: over XXX years of mortgage history |
| 232 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXX Comments: 20 years and 0 months at current profession.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 694 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI 50% File 32.82% |
| 233 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI 50% File 48.17% |
| 234 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX. Required reserves XXX<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0x30x43.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 17.12%, max per guidelines is 50%. |
| 235 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 5 years and 7 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 691 qualifying score. Min required per guidelines is 675. |
| 236 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Exception in file for rate of 7.999% and PAR, XXX LTV For Purchase Loan Amount: XXX- Max LTV: XXX%. Your LTV:XXX% | 3/17/24- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX since XXX (XXX years XXX month).<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX. Required reserves XXX |
| 237 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 36.54% is below max DTI of 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below max LTV of XXX. |
| 238 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: B1 has mortgage payment history 0x30 since XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 19.95% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines XXX |
| 239 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 754 qualifying score. Min required per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI 50% File 41.36%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV XXX File LTV XXX |
| 240 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current rental occupied residence for 9 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 744 qualifying score. Min required per guidelines is 725<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Rental payment history is for 27 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 40.10%, max per guidelines is 50%. |
| 241 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof LE issued XXX was received at least 3 business days prior to Closing. | 4.24.25-Client provided LE issued & signed XXX. | 4.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 25.81% is below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 723 exceeds guidelines 675. |
| 242 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Condo Master policy expired XXX, prior to transaction date of XXX | 03/31/2025 lender provided New Master Policy | 03/31/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 809 exceeds min score requirement OF 750<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0X30X15.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0X30X143.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX. Required reserves $0.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX. |
| 242 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Underwriting loan approval worksheet | 03/19/2025 lender provided Approval03/19/2025 XXX response: Document received was Conditional Loan Approval. Exception is to provide Underwriting Loan Approval Worksheet. Exception remains.03/31/2025 lender provided ULAW | 03/31/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 809 exceeds min score requirement OF 750<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0X30X15.<br>CFCFS2860: Good credit history<br> - XXX Comments: Good credit history 0X30X143.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX. Required reserves $0.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX. |
| 243 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 5 years 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below max LTV of XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 666 exceeds min score requirement of 650.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0x30x99. |
| 244 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current occupied residence for XXX years and XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been employed with XXX for 40 years and 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 780 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 41.24%, max per guidelines is 50%. |
| 245 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has been XXX since XXX (8 years 9 months).<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Positive mortgage payment history 0x30x93.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX. Required reserves XXX. |
| 246 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below max LTV of XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 794 exceeds min score requirement of 750. |
| 247 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current occupied residence for XXX years and XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX with XXX for 18 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 783 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 45.21%, max per guidelines is 50%. |
| 248 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX statements for acct #XXX for verification of XXX balance. | 04/04/2025 lender provided December 2024 Bank Statement | 04/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 28.99%, max per guidelines is 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 10 years 4 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves required XXX. Verified reserves are XXX |
| 249 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $75 due to Broker fee increased with no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 4.2.25-Client provided COC XXX stating reason for Broker fee increase. | 4.25.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current owner occupied residence for XXX years and XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been employed with XXX for 22 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 721 qualifying score. Min required per guidelines is 700.<br>CFCFS1745: Significant total monthly debt reduction<br> - XXX Comments: Lowered monthly debts, including housing payment, XXX to XXX<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for XXX months whenXXX months are required. |
| 250 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned departure residence for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has mortgage payment history 0x30 since XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines $0. |
| 251 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 4.2.25-Client provided Initial CD issued XXX & signed XXX. | 4.2.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Borrower earns additional income XXX monthly not used to qualify.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 721 exceeds guidelines 675.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been XXX at current job for 12 years. |
| 251 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 4.2.25-Client provided Initial CD issued XXX & signed XXX. | 4.2.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Borrower earns additional income XXX monthly not used to qualify.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 721 exceeds guidelines 675.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been XXX at current job for 12 years. |
| 253 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the XXX Calculated Total Payment Amount | No | Total of Payments per the Final TIL XXX is XXX. Total of Payments per payment stream is XXX, for a discrepancy of $-85.98. Unable to locate discrepancy cause. | 3.24.25-Client provided Loan Detail Report with revised fees, with a fee removed. | 3.24.25-Exception Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX is below guideline requirements of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 701 exceeds guidelines 600. |
| 254 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV XXX exceeds the maximum of XXX for FTHB. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 26.19% is below guideline requirement 43%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 717 exceeds guidelines 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines XXX. |
| 255 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 3.6.25-Client provided Initial CD issued & e-signed XXX. | 3.6.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 735 qualifying score. Min required per guidelines is 725. |
| 255 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 3.6.25-Client provided Initial CD issued & e-signed XXX | 3.6.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 735 qualifying score. Min required per guidelines is 725. |
| 256 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER127 | Payment shock does not meet guidelines | No | Payment shock of 5.24 exceeds the guidelines of three times (3x). ($XXX = 5.24) | 3/21/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX for 5 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 741 qualifying score. Min required per guidelines is 725.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 24.75%, max per guidelines is 50%. |
| 257 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 3.24.25-Client provided Initial CD issued & e-signed XXX. | 3.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 801 exceeds guidelines 650.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has mortgage payment history 0x30 since XXX<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been at current job for 7 years. |
| 257 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 3.24.25-Client provided Initial CD issued & e-signed XXX | 3.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 801 exceeds guidelines 650.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has mortgage payment history 0x30 since XXX<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has been at current job for 7 years. |
| 258 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 2.28.25-Client provided XXX e-sign Log showing viewed and completed by borrower. | 2.28.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 694 exceeds min credit score of 680.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 23.77% is below max DTI of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. |
| 258 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof LE issued XXX was received prior to initial CD issued XXX. | 2.28.25-Client provided XXX e-sign Log showing viewed by borrower. | 2.28.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below max LTV of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score of 694 exceeds min credit score of 680.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 23.77% is below max DTI of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total assets verified XXX. CTC XXX leaves reserves of XXX or XXX mos. |
| 259 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current rented occupied residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been employed with XXX for 6 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has been employed with XXX for 8 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX; max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 783 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 45.45%, max per guidelines is 50%. |
| 260 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Owner of the business for 11 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Exceeds XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score exceeds 700 |
| 261 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines of $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 729 exceeds guidelines 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: B1 has prior mortgage payment history 0x30 from XXX and VOR history XXX-present. |
| 262 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | Credit score 699 is below the minimum of 700 for loan amount greater than XXX | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned subject residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX at current job for 29 years. |
| 262 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV XXX exceeds the maximum of XXX for loan amount > XXX. LTV based on revised collateral review value of XXX. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned subject residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX at current job for 29 years. |
| 263 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 758 exceeds guidelines 700.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 37.03% is below guideline requirement of 50%. |
| 264 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV XXX exceeds the maximum of XXX for loan amount > XXX Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: B1 has owned subject residence for XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 35.53.% is below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 736 exceeds guidelines 700. |
| 265 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has been XXX at current job for 7 years. |
| 266 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 11 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 704 qualifying score. Min required per guidelines is 675. |
| 267 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves XXX, none required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 38.73%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 806 qualifying score. Min required per guidelines is 750. |
| 268 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for over XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below max LTV of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Credit report with a mortgage rating of 0x30X72.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 37.48% is below max DTI of 50%. |
| 269 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: B1 has mortgage payment history 0x30 since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 812 exceeds guidelines 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines $0. |
| 270 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV XXX exceeds the maximum of XXX for Non-Warrantable Condos, lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has been in the same profession for 20 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 726 exceeds guidelines 675. |
| 270 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Property Valuations | FEMA | Waived C B | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the FEMA Disaster- XXX- Wildfires and Straight-Line Winds. | 03/19/2025 Client provided XX fire map reflecting subject property is not located near any fires. | XXX's final grade B due to FEMA declaration including the entire county not just the areas with fires. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has been in the same profession for 20 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 726 exceeds guidelines 675. |
| 271 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years and XXX months at current residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 4 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 741 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI 43% File 41.41% |
| 272 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 705 exceeds guidelines 600.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX is below guideline requirements of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines $0. |
| 273 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in current rented occupied residence for XXX years and XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX max allowed per guidelines is XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 799 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 31.95%, max per guidelines is 50%. |
| 274 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount of XXX exceeds the maximum loan amount of XXX per guidelines. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 759 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX or XXX months PITIA, guidelines required 0 months PITIA.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Mortgage payment history is for XXX months when XXX months are required. |
| 275 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max DTI 50% File 43.75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 794 qualifying score. Min required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Assets verified at XXX less cash to borrower XXX equals XXX OR XXX months PITIA. |
| 276 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Provide source of donor gift funds or wire transfer to borrowers account. | 04/22/2025 lender response: Uploading statement showing the XXX was deposited to borrowers account. Matching dollar amount is good enough for XXXending since the gift was expected | 04/22/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX is below guideline requirements of XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 759 exceeds guidelines 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX exceed guidelines $0. |
| 278 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is 31.85%, max per guidelines is 50%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence, XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX since XXX (XXX years XXX months).<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below maximum of XXX |
| 279 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 4.3.25-Client provided Initial CD issued & signed XXX. | 4.3.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX since 2021<br>CFCFS2860: Good credit history<br> - XXX Comments: Positive mortgage payment history.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has been on the same job since 2021 |
| 279 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 4.3.25-Client provided Initial CD issued & signed XXX | 4.3.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: The borrower has been XXX since 2021<br>CFCFS2860: Good credit history<br> - XXX Comments: Positive mortgage payment history.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has been on the same job since 2021 |
| 281 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER4631 | Loan parameters do not meet guidelines | No | The guidelines indicate if the market rent from Form 1007 is being used to qualify a short term rental the subject property must be located in an established short-term/vacation market and an exception is required. In this case, the market rent was used for qualifying, the subject is in a vacation market, but an exception approval to used the market rent was not in the file. | (No Data) | 1/30/2025 Received XXX exception approval. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The LTV XXX% is low. |
| 282 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Guides indicate use of business assets for down payment, closing and reserves is allowed but borrower on loan must have XXX ownership and access letters are required from the other owners (if any). In this case, the XXX business account #XXX is needed for closing and reserves. The file did not include verification of the borrower's ownership in XXX(name on bank statement) and access letters from the other owners (if any). | (No Data) | 10/29/2024 Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves |
| 282 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | The seller's DSCR calculation was not in the file as required by the guidelines. | (No Data) | 10/29/2024 Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves |
| 282 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | The condo associations property insurance policy was missing from the file. | (No Data) | 10/29/2024 The master hoi policy provided does not include walls in coverage per pg 2. Hazard coverage is insufficient. Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves |
| 282 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file did not include evidence is the subject is a warrantable or non-warrantable condominium. | (No Data) | 10/29/2024 Condo questionnaire sent. Condo status warrantable or non warrantable was not provided on 100811/5/2024: Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves |
| 282 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | FEMA | Waived C B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since Hurricane XXX dec. date XXX, Property closed before declaration date. Disbursement date XXX. | (No Data) | 10/29/2024 Public assistance is available but no inspection provided. Grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves |
| 283 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4643 | Borrower does not meet guideline requirements | No | The subject property was purchased in 6/2024 which is less than 6 months prior to the subject transaction, the lender used the appraised value instead of the purchase price (XXX in XXX) for LTV calculation and the mortgage paid at closing was collateralized by the subject, another investment property and the borrower's primary residence. The file includes an XXX approval dated XXX for the payoff of the mortgage that encumbers multiple properties, lack of ownership seasoning and use of the appraised value for LTV. | (No Data) | The file includes an XXX approval dated XXX for the payoff of the mortgage that encumbers multiple properties, lack of ownership seasoning and use of the appraised value for LTV. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline requirement XXX LTV. |
| 283 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER4631 | Loan parameters do not meet guidelines | No | The subject loan is a DSCR/business purpose transaction; however, the mortgage paid off at closing had the borrower's primary residence (XXX) as collateral along with the subject and another investment property. | (No Data) | The file includes an XXX approval dated XXX for the payoff of the mortgage that encumbers multiple properties, lack of ownership seasoning and use of the appraised value for LTV. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline requirement XXX LTV. |
| 283 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | The CDA in the file dated XXX shows the appraisal under review was dated XXX; however, the appraisal provided in the file was dated XXX. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline requirement XXX LTV. |
| 283 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | FEMA | Satisfied C B | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | (No Data) | (No Data) | PDI provided showing no damage. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline requirement XXX LTV. |
| 284 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of cash reserves. |
| 285 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Permanent Resident ID card for XXX B2 | (No Data) | 11/22/2024 not sent please reupload 12/2/2024 Document provided to cure. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: No historical mortgage lates<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXXmo reserves |
| 285 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Verification of the CPA ,chartered tax adviser or licensed accountant active license is missing from the loan file. PTIN tax preparers are not allowed per guidelines. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: No historical mortgage lates<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXXmo reserves |
| 285 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Income/Employment | Waived D B | CRDINC3204 | Income Documentation Missing | No | According to the underwriting guidelines, the XXX party tax preparer letter must address the use of funds won't have a negative impact on the business and can address expense factor. In this case, the tax preparer letter indicated an expense factor 10% however, PTIN preparers are not allowed per guidelines. | (No Data) | 11/22/2024 Business access of funds is allowed by the tax preparer however it it not for the expense factor used to qualify. XXX Exception provided. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: No historical mortgage lates<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXXmo reserves |
| 285 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | FEMA | Waived B | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | FEMA XXX XXX Public assistance is available in the area. | (No Data) | Eresi waives. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: No historical mortgage lates<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXXmo reserves |
| 286 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Waived C B | CRDTER4631 | Loan parameters do not meet guidelines | No | The guides indicate a minimum loan amount of XXX is required. The subject loan amount is XXX | (No Data) | Eresi exception provided. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 81.49 months reserve, Guidelines require XXX \* 3 = XXX. |
| 287 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | The final 1003 indicates the borrower is a permanent resident alien; however, documentation to verify the residency status was not in the file. | (No Data) | 11/21/2024 Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of cash reserves. |
| 287 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | The guidelines indicate each borrower must have a minimum of 3 trades reporting for 12 months each or 2 trades reporting for 24 months and authorized user accounts may not be used to satisfy the requirement. In this case, the borrower has 1 trade reporting for 61 months and 1 trade reporting for 6 months. All other tradelines are authorized user accounts. | (No Data) | 1/9/2025: XXX waiving the tradeline requirement with comp factors. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of cash reserves. |
| 287 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | DTI | Waived D B | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The payment history for the most recent 12 months on the borrower's primary housing was missing from the file. The Drive report shows the borrower is on title to the primary residence, but the note on the property is in the spouse's name. There was no rent-free letter in file. | (No Data) | 11/21/2024 not sent XXX Received comment . Provide 12 month housing history if not living mtg free with spouse. XXX Exception approval provided. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of cash reserves. |
| 288 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | Assets reflect unsourced large deposit on XXX for XXX from XXX account ending in XXX. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has over XXX months Reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 790 qualifying score is 10+ points > requirement. |
| 288 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The credit report in file is dated XXX The credit report was 120 days old at closing and over 120 days by disbursement at XXX. | (No Data) | 120 days old at closing. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has over XXX months Reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 790 qualifying score is 10+ points > requirement. |
| 288 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Title | Waived B | CRDTIL100 | Potential title issue | No | An Exception approval was placed in the loan file for vesting in a trust. HB does not allow on investment transactions. | (No Data) | 11/04/2024 Client Approved Exception via email. Copy in loan file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has over XXX months Reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 790 qualifying score is 10+ points > requirement. |
| 288 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | FEMA | Satisfied C B | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | (No Data) | (No Data) | 1/27/2025: PDI provided showing no damage. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has over XXX months Reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 790 qualifying score is 10+ points > requirement. |
| 289 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | The final 1003 in file for the borrower (XXX) shows a discrepancy with the borrower's primary residence. Page 1 of the final 1003 shows the borrower's primary residence is XXX, but the REO schedule shows it as a second home. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO is 78 points higher than 700 min<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: No historical lates |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Final 1003 is missing from the loan file. | (No Data) | DSCR loan. Not required. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Insufficient Funds to Close | (No Data) | 12.27 updated asset statement provided to clear | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | According to the underwriting guidelines, a minimum of 3 months reserves are required. In this case, the borrower provided 0 months of reserves which does not meet the guidelines. | (No Data) | 12.27 additional bank statement provided to cure | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Credit/Mtg History | Waived C B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | A 12 month housing/rental history for the subject property is missing from the loan file. | (No Data) | XXX exception approval provided. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Credit/Mtg History | Waived D B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | The 12 months verification of rent for the borrower primary residence XXX for XXX was not in the loan file. | (No Data) | XXX exception approval provided. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | The Flood Insurance Policy is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | The Hazard Insurance Policy for the subject property is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The Business Purpose and Occupancy Affidavit as required is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The payoff for the subject mortgage with XXX #XXX was not in the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Loan File is Missing or Contains Insufficient Documentation for Basic Review | (No Data) | Correct Loan Documents Provided. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | 1008 is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Title | Satisfied D A | CRDTIL4871 | Missing Title Certification | No | Tax Certification and initial escrow discl for the subject property is missing from the loan file. | (No Data) | Tax cert provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 290 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | According to the underwriting guidelines, an appraisal review is required for all loans. The review must be a Collateral Desktop Analysis (CDA) from Clear Capital or an independent vendor; or ARR from XXX. In this case, the appraisal review product is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 291 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D A C | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR midnight date is XXX. Loan disbursed XXX. Loan disbursed prior to ROR expiration date | (No Data) | Post close CD dated XXX uploaded to document file discloses a disbursement date of XXX satisfying exception. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 680. Mid fico score is 751.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX. Max allowed LTV is XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines require 3 months reserves XXX. Total reserves verified in the amount of XXX (XXX Months). |
| 291 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D A C | C | B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | The XXX professional who completed the P&L statement did not attest the business financial statements were audited or reviewed the working papers provided by the borrower. | (No Data) | 1/6/2025: Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 680. Mid fico score is 751.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX. Max allowed LTV is XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines require 3 months reserves XXX. Total reserves verified in the amount of XXX (XXX Months). |
| 291 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D A C | C | B | Property Valuations | FEMA | Satisfied C B | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | (No Data) | (No Data) | PDI provided showing no damage. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 680. Mid fico score is 751.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX. Max allowed LTV is XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines require 3 months reserves XXX. Total reserves verified in the amount of XXX (XXX Months). |
| 292 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D B C | A | A | Credit | Application | Satisfied D A | CRDAPP2658 | Missing 3rd-party anti-fraud report | No | Missing fraud report. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or XXX months reserves, Guidelines require XXX \* 3 = XXX |
| 292 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D B C | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's loan approval/1008 to match loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or XXX months reserves, Guidelines require XXX \* 3 = XXX |
| 292 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D B C | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | CDA reported value of XXX is 12.6% less than appraised value of XXX. Therefore CDA used as value to calculate LTV. Variance over 10% at 12.63%. | (No Data) | LTV based off of the lower CDA amount. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or XXX months reserves, Guidelines require XXX \* 3 = XXX |
| 293 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Property Valuations | FEMA | Satisfied C B | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | (No Data) | (No Data) | PDI provided showing no damage. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: 2.24% revolving credit utilization ratio.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 34.11% DTI is below program max allowable of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves. |
| 294 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | The appraiser stated the property is legal non-conforming due to the amount of units. The subject's market area is zoned to allow a maximum of two units. However, due to the shortage of livable properties the borough has been granting zoning variances to allow for three units. It is unknown if the subject property has a zoning variance to allow for its three units. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 803 qualifying score is 10+ points > requirement.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 19.03% DTI is low. |
| 294 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | The zoning on the appraisal is Legal Nonconforming, the appraiser does not address the ability to rebuild. | (No Data) | he lender provided a LOE that cured the condition. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 803 qualifying score is 10+ points > requirement.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 19.03% DTI is low. |
| 295 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | The 2 months rental receipt for the lease XXX (XXX) and XXX (XXX) | (No Data) | Rents for XXX removed included XXX | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 295 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The personal guaranty in file is signed incorrectly as the borrower signed as an individual and as a member of the entity. The guaranty should have the borrower's signature as a member of the entity removed. | (No Data) | per our compliance officer: The Guaranty Agreement is acceptable as signed. The first page of the Agreement defines that it is between the individual and the bank in relation to a loan with an LLC. The individual then signs the Agreement. The entity signature is oversigning but does not impact the legality of the individuals acknowledgement. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 296 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | Documentation to source the two large unsourced deposits from XXX account ending in #XXX for XXX on XXX and XXX on XXX. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 32.23% DTI is low. |
| 296 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The undisclosed debt notification dated within 10 days of closing was not in the file. The Drive report shows debt monitoring had not been started. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 32.23% DTI is low. |
| 296 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Verification of the total interested party contributions is needed since the addendum to the sales contract shows XXX which agrees with the amount on the seller's CD, but the borrower's CD shows XXX. 2% (XXX) is allowed and the XXX would exceed the maximum. | (No Data) | investor solutions - DU approve/eligible - FNMA guide allows 2% IPC on investment property | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 32.23% DTI is low. |
| 297 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC225 | Missing Rider | No | Missing condo rider | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min score 720. Score 735.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV XXX%. Borrower LTV XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has XXX months reserves after closing. |
| 297 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | The orig file does not contain a third party fraud report. | (No Data) | Document provided to cure. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min score 720. Score 735.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV XXX%. Borrower LTV XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has XXX months reserves after closing. |
| 297 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Insurance | Satisfied D A | CRDINSR5081 | Insurance Policy missing required endorsements | No | The master condo policy from XXX expired XXX . Updated building policy was not provided. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min score 720. Score 735.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV XXX%. Borrower LTV XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has XXX months reserves after closing. |
| 297 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The Business Purpose Affidavit as required is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min score 720. Score 735.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV XXX%. Borrower LTV XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has XXX months reserves after closing. |
| 298 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | (No Data) | Invalid exception | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have over XXX months of Reserves.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Credit utilization of 13.15% is low. |
| 298 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | (No Data) | Invalid exception | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have over XXX months of Reserves.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Credit utilization of 13.15% is low. |
| 298 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Income/Employment | Waived C B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | According to the underwriting guidelines, for business bank statement verification a CPA, enrolled agent, chartered tax adviser or independent licensed accountant is allowed, however a PTIN agent is not allowed. In this case, the business bank statements and letter were verified by a tax preparer but the license was not provided. | (No Data) | Eresi exception provided. Comp factors supported. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have over XXX months of Reserves.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Credit utilization of 13.15% is low. |
| 298 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | The master condo policy was not provided in the loan file. Personal coverage in the file is insufficient. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have over XXX months of Reserves.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Credit utilization of 13.15% is low. |
| 298 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | There is no indication in the loan file if the Condominium is Warrantable or Non Warrantable. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have over XXX months of Reserves.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Credit utilization of 13.15% is low. |
| 299 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Compliance | TILA | Satisfied B | CMPTILA4787 | TILA - Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. | No | TILA - Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. | (No Data) | Default grade 2 Client waives | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min Score 700. Borrower 740<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV XXX. Borrower XXX |
| 299 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Property Valuations | Property | Satisfied D A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | The subject zoning is legal non-conforming. The appraisal did not include if the subject could be rebuilt if destroyed. | (No Data) | Invalid exception | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min Score 700. Borrower 740<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV XXX. Borrower XXX |
| 300 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the Fema Disaster- XXX- Hurricane XXX. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 30.41% DTI is below program max allowable of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 757 FICO exceeds program min allowable of 680. |
| 301 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | The 2023 personal tax return and business tax returns for XXX, XXX and the 2022 & 2023 business tax returns for XXX were not signed. | (No Data) | 1/10/2025: Tax transcripts and completed 4506-C provided which per FNMA are alternatives. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid fico is 812.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves. |
| 302 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D A C | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR midnight date is XXX. Loan disbursed XXX. Loan disbursed prior to ROR expiration date | (No Data) | PCCD dated XXX and uploaded to file verifies disbursement date of XXX satisfying exception. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 28.32% DTI is low. |
| 302 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D A C | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID5115 | TRID - Closing Disclosure: The Creditors Brokers or Contact persons NMLS or State ID is missing | No | (No Data) | (No Data) | Invalid exception: Information was already in the loan file exception set in error | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 28.32% DTI is low. |
| 302 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D A C | C | B | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | According to the underwriting guidelines, all loans must include a completed ATR Borrower Confirmation form. In this case, the document in the loan file is not signed. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 28.32% DTI is low. |
| 302 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | B D A C | C | B | Property Valuations | FEMA | Satisfied C B | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | (No Data) | (No Data) | PDI provided confirming no damage. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 28.32% DTI is low. |
| 303 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | Documentation | Satisfied C A | CMPDOC3076 | Legal document was not executed or is incomplete | No | Final CD in document file is not acknowledged by borrower. Please provide verification. | (No Data) | Final CD dated XXX, hand signed by borrower XXX, uploaded to document file satisfies exception. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 23.91% DTI is below program max allowable of 45%.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 24.09% revolving credit utilization ratio.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves. |
| 303 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Evidence the XXX gift of XXX reflected on the closing disclosure was from the donor reflected on the gift letter (XXX) was missing from the file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 23.91% DTI is below program max allowable of 45%.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 24.09% revolving credit utilization ratio.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves. |
| 303 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | The business narrative for XXX and verification of the business being active/fully operating within 10 calendar days of closing were missing from the file. The narrative is also needed to verify the number of employees and type of business to determine which expense factor for bank statement income calculation. Audit used 15% as the lender did for calculation purposes. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 23.91% DTI is below program max allowable of 45%.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 24.09% revolving credit utilization ratio.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves. |
| 304 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | A | A D B | A | A | Credit | Assets | Waived D B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing Bank statement to XXX XXX to account for the gap between current statement dated XXX and previous statement dated XXX. | (No Data) | XXX exception approval provided. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: 10.28% revolving credit utilization ratio<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX LTV is below program max allowable of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 749 FICO exceeds program min allowable of 720. |
| 304 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | A | A D B | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing tax bill or tax cert for investment property at XXX. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: 10.28% revolving credit utilization ratio<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX LTV is below program max allowable of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 749 FICO exceeds program min allowable of 720. |
| 304 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER127 | Payment shock does not meet guidelines | No | Per guideline payment shock cannot exceed 100% under the P&L only program. In this case, the borrower's payment shock is 311.32%. File does not have an XXX approval for this issue. | (No Data) | 1/13/2025: eResi waiving the payment shock requirement with comp factors as its not listed in their guidelines. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: 10.28% revolving credit utilization ratio<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX LTV is below program max allowable of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 749 FICO exceeds program min allowable of 720. |
| 305 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Documentation verifying whether the property is a warrantable or non-warrantable condo is missing from the file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min score 680. Borrowers scores exceeds 800<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV is XXX. Subject DTI is 43% |
| 305 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | According to the underwriting guidelines, when a property is vested in a LLC, the Entity Articles of Organization, Partnership, Cert of good standing, EIN number and Operating Agreements as required. In this case, all the documentation is missing from the loan file. XXX | (No Data) | 1/28/2025: Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min score 680. Borrowers scores exceeds 800<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Max LTV is XXX. Subject DTI is 43% |
| 306 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | File is missing UCDP report reflecting a score of 2.5 or below or a secondary appraisal review (ex. CDA). | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid representative fico score is 801.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX. Max LTV is XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines require XXX months reserves (XXX). Total reserved verified in the amount of XXX (XXX Months). |
| 307 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXX Comments: 1.93% revolving credit utilization ratio.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 40.37% DTI is below program max allowable of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 722 FICO exceeds program min allowable of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves |
| 308 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The mortgage statement along with taxes and insurance for the primary residence XXX., is missing from the loan file. | (No Data) | Document Provided for cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has over XXX months of Reserves. |
| 308 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | The Flood Certification Document is missing from the loan file. | (No Data) | Document Provided for cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has over XXX months of Reserves. |
| 309 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Form 1008 and/or Approval document is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 6.25% DTI is low.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 4.35% credit utilization is low. |
| 310 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of cash reserves. |
| 312 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The undisclosed debt notification dated within 10 days of closing was not in the file. The Drive report in file did not indicate debt monitoring was started. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: No historical lates<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO is 97 points higher than 700 min |
| 312 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4643 | Borrower does not meet guideline requirements | No | The executed borrower ATR certification was not in the file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: No historical lates<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO is 97 points higher than 700 min |
| 313 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | (No Data) | (No Data) | Invalid Exception | (No Data) | (No Data) | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 807<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 25 years |
| 313 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | (No Data) | (No Data) | Invalid Exception | (No Data) | (No Data) | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 807<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 25 years |
| 313 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | APR Tolerance | Satisfied B A | CMPAPRT110 | APR - Insufficient Information for APR-Payment Stream Testing | No | (No Data) | (No Data) | Lender provided Note - exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 807<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 25 years |
| 313 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Documentation | Satisfied D A | CMPDOC3268 | Note in file is incomplete | No | The Note is missing from the loan file. | (No Data) | Note uploaded to document file satisfies exception. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 807<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 25 years |
| 313 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Federal Consumer Protection | Satisfied D A | CMPFDCP304 | TILA - Transaction date unknown/missing | No | Missing DOT | (No Data) | Lender provided Note, Mortgage & Final CD - exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 807<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 25 years |
| 313 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Right of Rescission | Satisfied B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | (No Data) | (No Data) | Lender provided Final CD XXX - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 807<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 25 years |
| 313 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Note missing from file. | (No Data) | Lender provided Note - exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 807<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 25 years |
| 313 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Missing COC for addition of Points on final CD XXX. | (No Data) | Revised CD dated XXX with COC uploaded to file verifies disclosure of Points XXX to borrower, satisfying exception. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 807<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 25 years |
| 313 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | The final 1003 was not in the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 807<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 25 years |
| 313 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Income/Employment | Satisfied C A | CRDINC128 | Ability to repay not demonstrated | No | According to the underwriting guidelines, loans subject to Reg Z Ability to Repay must include a Borrower ATR Certification. The document is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 807<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 25 years |
| 313 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The loan file is missing the initial escrow discl, the occupancy affidavit. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 807<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 25 years |
| 313 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | The 1008 is missing from the loan file. | (No Data) | Lender provided 1008 - exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 807<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 25 years |
| 314 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The 2024 tax cert for subject was not in the loan file. . Taxes provided are from 2023 and previous owner. | (No Data) | Exception not valid. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 778<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been with employer in the past: 13 years |
| 315 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The subject property was completed 2024. The certificate of occupancy was not in the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX LTV is below program max allowable of XXX<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 0% revolving credit utilization ratio<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 768 FICO exceeds program min allowable of 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 26.45% DTI is below program max allowable of 45% for FTHB per matrix. |
| 316 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) D C | D | A D C | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | (No Data) | (No Data) | Borrower affidavit uploaded to document file satisfies exception. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 36.55% DTI is low.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 788 qualifying score is 10+ points > requirement. |
| 316 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) D C | D | A D C | D | A | Credit | Terms/Guidelines | Satisfied A | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | The Condo questionnaire is missing from the loan file. | (No Data) | not required - a project review is waived per Fannie Mae since subject is a detached condo | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 36.55% DTI is low.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 788 qualifying score is 10+ points > requirement. |
| 316 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) D C | D | A D C | D | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | (No Data) | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 36.55% DTI is low.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 788 qualifying score is 10+ points > requirement. |
| 316 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) D C | D | A D C | D | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | (No Data) | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 36.55% DTI is low.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 788 qualifying score is 10+ points > requirement. |
| 316 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) D C | D | A D C | D | A | Property Valuations | Property | Satisfied C A | PRVAPROP2674 | Property Issues Indicated 2 | No | Proof of warrantability for the subject property is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 36.55% DTI is low.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 788 qualifying score is 10+ points > requirement. |
| 317 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Rental income used for non subject investment property requires 2 months evidence of receipt. File contains only one month. | (No Data) | XXX guidelines require 1 month. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or XXX months reserves, Guidelines require XXX \* 6 = XXX. |
| 318 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 37.97% DTI is below program max allowable of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves |
| 319 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of cash reserves. |
| 320 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | There are two Final Closing Disclosures in the loan file both signed and dated for the same day however, there are two different funds to close amounts listed. The higher amount was used for calculations. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit of 1.28% credit utilization.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months of Reserves. |
| 320 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The Appraisal Review is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit of 1.28% credit utilization.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months of Reserves. |
| 321 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of XXX due to (Fee name Origination Fee XXX) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | (No Data) | COC dated XXX, uploaded to file verifies increase in origination fees from XXX to XXX was disclosed to borrower, satisfying exception. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 734<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 12 years |
| 321 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing third party fraud report | (No Data) | Document provided to cure. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 734<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 12 years |
| 321 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | According to the underwriting guidelines, loans subject to Reg Z Ability to Repay must include a Borrower ATR Certification. The document is missing from the loan file. | (No Data) | 1/27/2025: Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 734<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit show 0x30x99<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 12 years |
| 322 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | (No Data) | (No Data) | Invalid exception | (No Data) | (No Data) | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 33.15% DTI is low.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 773 qualifying score is 10+ points > requirement. |
| 322 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | (No Data) | (No Data) | Invalid exception | (No Data) | (No Data) | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 33.15% DTI is low.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 773 qualifying score is 10+ points > requirement. |
| 322 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The mortgage statement along with taxes and insurance for the investment property XXX is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 33.15% DTI is low.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 773 qualifying score is 10+ points > requirement. |
| 323 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | The November 2023 statement for XXX business account #XXX was missing from the file. This is needed for qualifying income since the loan is a bank statement program. | (No Data) | 1/9/2025: Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 706<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 26 years |
| 323 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Waived C B | CRDINC150 | Income docs do not meet guidelines | No | The XXX professional who provided the 10% expense factor for calculating the bank statement income did not attest they audited the business financial statements or reviewed working papers provided by the borrower. | (No Data) | An exception dated XXX was provided waiving the attestation verbiage. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower Representative Score: 706<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at current residence for the past: XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in this line of work in the past: 26 years |
| 324 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXXmo<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: No historical lates |
| 328 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing fully completed VOE with complete breakdown of Base and OT income. The VOE in file only reflects a breakdown of regular hours, overtime hours, hourly rate and total pay for 2023, 2024 & YTD 2025. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves. |
| 329 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score 755. Lender min is 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX%. Max XXX% |
| 330 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC128 | Ability to repay not demonstrated | No | According to the underwriting guidelines, all loans must include a completed ATR Borrower Confirmation form. In this case, the document is missing from the file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 29.04% DTI is low.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has low credit utilization of 19.70%. |
| 330 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | An automated fraud and data tool check is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 29.04% DTI is low.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has low credit utilization of 19.70%. |
| 331 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Appraisal fee increased $200, Discount Points increased $1687 and Transfer Taxes increased $20.06. Fees increased in the amount of XXX. Credit provided in the amount of $20.31. Provide evidence of change of circumstance letter or a copy of a refundable check in the amount of XXX for zero percent tolerance fees. | (No Data) | COC uploaded to document file verifies disclosure of Points to borrower in the amount of XXX, Documentation in file verifies disclosure of the XXX appraisal fee satisfying exception. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 784 qualifying score is 10+ points > requirement. |
| 331 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3604 | TRID - Error discovered on Closing Disclosure | No | Final CD XXX does not include Date Issued. Provide CD with date issued included in Closing Information Section. | (No Data) | Final CD XXX with issue date uploaded to file satisfying exception. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 784 qualifying score is 10+ points > requirement. |
| 331 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX Zero Percent Tolerance Violation due to increase in Discount Points from XXX to XXX on Final CD XXX without a valid Change in Circumstance (CIC). Requires CIC, or corrected PCCD, or Rate Lock agreement or, a copy of refund check, LOX and verification of shipping | (No Data) | COC uploaded to document file verifies disclosure of Points to borrower in the amount of XXX satisfying exception. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 784 qualifying score is 10+ points > requirement. |
| 332 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | The orig file does not contain a third party fraud report. Only XXX person report in file. Need complete report. | (No Data) | Fraud report and OFACS provided for cure. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO is 49 points higher than 700 min<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: No historical lates |
| 332 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV is over XXX. Purchase price is XXX, loan amount is XXX. LTV as submitted XXX | (No Data) | Updated Note provided for cure | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO is 49 points higher than 700 min<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: No historical lates |
| 333 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | The automated fraud and data check tool report was not in the file. | (No Data) | Document provided to cure. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO is 57 points higher than 720 min<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX% lower than XXX% max |
| 333 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The undisclosed debt notification report dated within 10 days of closing was not in the file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO is 57 points higher than 720 min<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX% lower than XXX% max |
| 333 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing statement for new account with XXX to match 1003 $XXX/mo. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO is 57 points higher than 720 min<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX% lower than XXX% max |
| 333 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Waived C B | CRDINC150 | Income docs do not meet guidelines | No | PTIN tax preparers are not allowed. PTIN preparers that work for a 3rd party firm may be permitted by exception only document. In this case, the P&L statement was prepared by a PTIN tax preparer and no approval was in the file for this. | (No Data) | XXX exception approval. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO is 57 points higher than 720 min<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX% lower than XXX% max |
| 334 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Appraisal | Waived B | PRVAAPPR5344 | Alternate Valuation product used. | No | CDA ($XXX)in file shows a greater than 10% difference from original appraisal (XXX $XXX). An Additional appraisal (XXX for XXX) was used to calculate the LTV. The file included an XXX approval dated XXX allowing the use of the current appraised value (XXX) in lieu of the field review (CDA). | (No Data) | The file included an XXX approval dated XXX allowing the use of the current appraised value (XXX) in lieu of the field review (CDA) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or XXX months reserves, Guidelines require XXX \* 3 = XXX |
| 335 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 779 FICO exceeds program min allowable of 700.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 33.23% DTI is below program max allowable of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves. |
| 336 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The title commitment reflects various liens and judgements with XXX as the vestee who is on title but not on the subject loan. The file was missing an executed affidavit to confirm they do not belong to XXX | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 722 credit score which is 22 points above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 84 months of reserves. |
| 337 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C B | A | A | Credit | LTV/CLTV | Waived C B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | The subject has an LTV of XXX% which exceeds the maximum allowed of XXX% for a cash-out refinance since the borrower having owned the property for less than XXX months (XXX% LTV reduction) and the lower of the original purchase price (XXX) or the appraised valued (XXX) is to be used to calculate the LTV. | (No Data) | 1/31/25 Client waives requirement via email | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 776 qualifying score is 10+ points > requirement. |
| 338 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4643 | Borrower does not meet guideline requirements | No | The borrower ATR certification or underwriter's detailed attestation regarding the borrowers' ability to repay was no in the file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 680. Mid fico score is 703.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX. Max allowed LTV is XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves. |
| 339 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | The automated fraud and data check tool was not in the file. The file only included the mortgage participant list report. | (No Data) | Fraud guard provided for cure | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 749 credit score which is 49 points above the required 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: The borrower's credit utilization is 11.51%. |
| 339 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | The borrower needed XXX for closing and XXX for the earnest money deposit. Assets verified in the file total XXX. The final 1003 reflected two other accounts (XXX #XXX & XXX) that were not documented in the file. | (No Data) | LOE and EMD docs provided for cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 749 credit score which is 49 points above the required 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: The borrower's credit utilization is 11.51%. |
| 339 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | Documentation to source the two XXX deposits on XXX in XXX XXX was not in the file. | (No Data) | Large deposits are for the borrower business acct and do not need to be sourced. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 749 credit score which is 49 points above the required 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: The borrower's credit utilization is 11.51%. |
| 339 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | The guidelines require 3 months reserves, which was not documented in the file. | (No Data) | UW cert provided for cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 749 credit score which is 49 points above the required 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: The borrower's credit utilization is 11.51%. |
| 339 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | The insurance policy in the file shows XXX as both the effective and expiration date. | (No Data) | updated insurance policy provided | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 749 credit score which is 49 points above the required 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: The borrower's credit utilization is 11.51%. |
| 339 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The seller's DSCR calculation was not in the file | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 749 credit score which is 49 points above the required 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: The borrower's credit utilization is 11.51%. |
| 339 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | The tax ID for XXX was not in the file as required since subject is vested in the entity. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 749 credit score which is 49 points above the required 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: The borrower's credit utilization is 11.51%. |
| 339 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | The business purpose certification was not located in the file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 749 credit score which is 49 points above the required 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: The borrower's credit utilization is 11.51%. |
| 340 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The undisclosed debt notification report dated within 10 days of closing was not in the file. The XXXX Fraud report does not show debt monitoring was started. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves. |
| 340 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | The monthly HOA fees for XXX were not located in the file and an explanation for the Schedule E of the tax returns showing the borrowers only reporting 1/2 of the net rental income for tax purposes. Audit used the amount on the Schedule E. Also, the schedule E shows the borrower is only reporting half of the net income which would result in the rental income to be XXX (XXX net monthly income from schedule E x 50% - PITI of XXX). The 1008 shows rental income of XXX per month. Audit used the lender's net rental income for calculation | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves. |
| 340 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | The subject is a non-warrantable condo and the guidelines allow up to 60% investor concentration. The questionnaire shows 215 units have off site addresses with the project having a total of 251 units, which the investor concentration would be over 60%. The appraisal shows 55 units rented and would be with the allowed concentration. The file includes an XXX approval dated XXX for NWC investor concentration over 60%. | (No Data) | The file includes an XXX approval dated XXX for XXXX investor concentration over 60%. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves. |
| 341 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The flood insurance policy was not in the file. Only the application invoice and application were in the file. | (No Data) | 1/14/2025: The flood insurance application is allowed. It has name insured, coverage details, insured property location, mortgagee, loan ID and premium amount. Application also states that the policy is effective at time of loan closing with no waiting period. Its common that NFIP does not issue the policy/dec page documents until after payment rendered, and payment was obtained at closing for distribution to NFIP. Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid representative fico score is 791.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines require 3 months reserves (XXX). Total reserved verified in the amount of XXX (XXX Months). |
| 342 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The undisclosed debt notification dated within 10 days of closing was not in the file. The Drive report in file does not show debt monitoring had been started. | (No Data) | 1/16/2025 Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves |
| 343 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide initial CD. | (No Data) | Initial CD dated XXX uploaded to document file satisfies exception. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min Score 680. Borrower score 778<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX Max. Borrower LTV XXX% |
| 343 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide initial CD. | (No Data) | Initial CD dated XXX uploaded to document file satisfies exception. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min Score 680. Borrower score 778<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX Max. Borrower LTV XXX% |
| 343 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide initial CD. | (No Data) | Initial CD dated XXX uploaded to document file satisfies exception. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min Score 680. Borrower score 778<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX Max. Borrower LTV XXX% |
| 343 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Credit | Terms/Guidelines | Waived C B | CRDTER4643 | Borrower does not meet guideline requirements | No | The loan is an Ineligible transaction due to Lease Options/Rent to Own per guidelines. | (No Data) | eResi has waived the exception based on comp factors. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min Score 680. Borrower score 778<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX Max. Borrower LTV XXX% |
| 343 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Property Valuations | FEMA | Satisfied C B | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | (No Data) | (No Data) | PDI provided dated XXX with no damage indicated. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Min Score 680. Borrower score 778<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX Max. Borrower LTV XXX% |
| 344 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing UDN dated within 10 days of Note date. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX LTV is below program max allowable of XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 18.72% DTI is below program max allowable of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves. |
| 344 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Loan is a Rate/Term where property is not currently vested in the borrower's personal name at time of application and the loan is for one of the employees of a broker shop. The file includes an XXX approval dated XXX for the property vesting at time of application not being in borrower's name and borrower is an employer of broker | (No Data) | The file includes an XXX approval dated XXX for the property vesting at time of application not being in borrower's name and borrower is an employer of broker | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX LTV is below program max allowable of XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 18.72% DTI is below program max allowable of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves. |
| 345 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Flood Certification is missing from the loan file. | (No Data) | Flood Certification provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of cash reserves. |
| 345 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The payoff for the subject mortgage was not in file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of cash reserves. |
| 346 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: No historical lates<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 22 years same job |
| 347 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Verification of the mortgage with XXX on the borrower's departing residence was not in the file. The settlement statement for the sale of the departing residence shows this mortgage. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves. |
| 348 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | a letter of explanation from the borrower or third party tax preparer (excluding PTIN preparers) for the withdrawals consistently being greater than deposits in the XXX business account #XXX which was used for qualifying was not in the file. eight (XXX, XXX, XXX, XXX, XXX, XXX, XXX and XXX) of the 12 monthly bank statements show withdrawals exceeding deposits. | (No Data) | 2/3/2025 Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 13.06% DTI is below program max allowable of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves. |
| 348 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Per guideline, a PTIN Tax preparer cannot verify the borrower's funds; however, if the PTI preparer works for a third party firm it may be permitted by exception only. In this case, the borrowers' business accounts were used for funds to close and reserves. The letter in the file verifying the impact on use of business funds was completed by a PTIN Tax preparer. An exception approval was not in the file. | (No Data) | Exception approval provided. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 13.06% DTI is below program max allowable of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves. |
| 348 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | A | A D B | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | Disaster declaration date is XXX and disaster effective date is XXX which is not valid. | (No Data) | The disaster inspection was completed on XXX which is after the disaster declaration. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 13.06% DTI is below program max allowable of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves. |
| 349 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 42.53% DTI is below program max allowable of 50%.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 3.96% revolving credit utilization ratio.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves. |
| 350 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid fico is 788.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines require reserves in the amount of XXX (XXX months). Total reserves verified in the amount of XXX (XXX months). |

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## Exhibit 99.3

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2025-NQM6** |
| **Start - End Dates:** | **4/2/2024 - 4/1/2025** |
| **Deal Loan Count:** | **213** |
| *Report Run Date:* |  |
| **Conditions Report** | **2.0** |
|  ***Loans in Report:*** | *213* |
|  ***Loans with Conditions:*** | *122* |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 123 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 124 | Yes | XXXXXX | XXXXXX D A C | D | A D C | D | A | Not Applicable |
| 126 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 127 | Yes | XXXXXX | XXXXXX D B A | D | A D B | D | A | Not Applicable |
| 128 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 129 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 130 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 132 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 133 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | No |
| 134 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 135 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 136 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 137 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 138 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 139 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 140 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 141 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 142 | Yes | XXXXXX | XXXXXX D A | C | A D | C | A | No |
| 143 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 148 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 149 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 150 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 151 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 152 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 153 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 154 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 155 | Yes | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 157 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 158 | Yes | XXXXXX | XXXXXX D B A | C | B D A | C | B | No |
| 159 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 160 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 161 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 162 | Yes | XXXXXX | XXXXXX B A | B | B A | B | B | No |
| 163 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | No |
| 164 | Yes | XXXXXX | XXXXXX D A C | A | A D C | A | A | Not Applicable |
| 165 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 166 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 167 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 168 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 169 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 170 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 171 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 172 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 173 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 174 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 175 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Yes |
| 176 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 177 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 178 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 179 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 180 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 181 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 182 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 183 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 184 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 185 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 186 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 187 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 189 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 190 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 191 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Yes |
| 192 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 193 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 194 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 195 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 196 | Yes | XXXXXX | XXXXXX D A C | A | A D B C | A | A | Not Applicable |
| 197 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 198 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 199 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 200 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 201 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 202 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 203 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 204 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 205 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 206 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 207 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 208 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 209 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 210 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 211 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 212 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 213 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 214 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 215 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 216 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 217 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 218 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 219 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 220 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 221 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 222 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 223 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 224 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 225 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 226 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 227 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 228 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 229 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 230 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Yes |
| 231 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 232 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 233 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 234 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 235 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 236 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 237 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 238 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 239 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 240 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 241 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 242 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 243 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 244 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 245 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 246 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 247 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 248 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 249 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 250 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 251 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 253 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 254 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 255 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 256 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 257 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 258 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Yes |
| 259 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 260 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 261 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 262 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 263 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 264 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 265 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 266 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 267 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 268 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 269 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 270 | Yes | XXXXXX | XXXXXX C B | A | A C B | A | A | No |
| 271 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 272 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 273 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 274 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 275 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 276 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 278 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 279 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 281 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 282 | Yes | XXXXXX | XXXXXX D B A C | A | A D B C | A | A | Not Applicable |
| 283 | Yes | XXXXXX | XXXXXX C B | A | A C B | A | A | No |
| 284 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 285 | Yes | XXXXXX | XXXXXX D B | A | A D B | A | A | No |
| 286 | Yes | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 287 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 288 | Yes | XXXXXX | XXXXXX C B | A | A C B | A | A | Not Applicable |
| 289 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 290 | Yes | XXXXXX | XXXXXX D B C A | A | A D B C | A | A | No |
| 291 | Yes | XXXXXX | XXXXXX D B A C | C | B D A C | C | B | No |
| 292 | Yes | XXXXXX | XXXXXX D A C | A | A D B C | A | A | Not Applicable |
| 293 | Yes | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 294 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 295 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 296 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 297 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 298 | Yes | XXXXXX | XXXXXX D B A | D | A D B | D | A | No |
| 299 | Yes | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 300 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 301 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 302 | Yes | XXXXXX | XXXXXX D B A C | C | B D A C | C | B | No |
| 303 | Yes | XXXXXX | XXXXXX D A | C | A D | C | A | Not Applicable |
| 304 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 305 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 306 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 307 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 308 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 309 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 310 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 312 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 313 | Yes | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 314 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 315 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 316 | Yes | XXXXXX | XXXXXX D A C | D | A D C | D | A | No |
| 317 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 318 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 319 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 320 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 321 | Yes | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 322 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| 323 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 324 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 328 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 329 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 330 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 331 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 332 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 333 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 334 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 335 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 336 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 337 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 338 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 339 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 340 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 341 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 342 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 343 | Yes | XXXXXX | XXXXXX D B C | D | A D B C | D | A | Not Applicable |
| 344 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 345 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 346 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 347 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 348 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 349 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 350 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** |
| 123 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 124 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 126 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 127 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 128 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 129 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 130 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 132 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 133 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 134 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 135 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 136 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 137 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 138 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 139 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 140 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 141 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 142 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 143 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 148 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 149 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 150 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Mid Rise Condo (5-8) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 151 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 152 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 153 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 154 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 155 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 157 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 158 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 159 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 160 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 161 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 162 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 163 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 164 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 165 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 166 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 167 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 168 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 169 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 170 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 171 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 172 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 173 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 174 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 175 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 176 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 177 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 178 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 179 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 180 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 181 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 182 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 183 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 184 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 185 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 186 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 187 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 189 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 190 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 191 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 192 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 193 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 194 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 195 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 196 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 197 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 198 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 199 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 200 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 201 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Final Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 202 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 203 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 204 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | Subject to inspections w/inspections | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 205 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 206 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 207 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 208 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 209 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 210 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 211 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 212 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 213 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 214 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 215 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 216 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 217 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 218 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 219 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 220 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 221 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 222 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 223 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 224 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 225 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 226 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 227 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 228 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 229 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 230 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 231 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 232 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 233 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 234 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 235 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 236 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 237 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 238 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 239 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 240 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 241 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 242 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 243 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 244 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 245 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 246 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 247 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 248 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 249 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 250 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 251 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 253 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 254 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 1-Year TCM (weekly) | 45 | 3.500 | N 1/8 | 8.7500 | 6.750 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.7500 | 6.7500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 255 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 256 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 257 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 258 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 259 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 260 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 261 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 262 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 263 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 264 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 265 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 266 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 267 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 268 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 269 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 270 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 271 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 272 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 273 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 274 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 275 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 276 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 278 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 279 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 281 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | Private |
| 282 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 283 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 284 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 285 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 286 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 287 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 288 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 289 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 290 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of amt prepd in yr 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 291 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 292 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 293 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 12 mos interest of amt prepd in 12 mos if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 294 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Rural | Tenant | Subject to inspections w/inspections | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 295 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 296 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 297 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 298 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Mid Rise Condo (5-8) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 299 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 300 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 301 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 302 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 303 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 304 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 305 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 306 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 307 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 308 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Vacant | Subject to inspections w/inspections | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 309 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 310 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 12 | 12 mos interest of amt prepd in 12 mos if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 312 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 313 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Title Report | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 314 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 315 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/6 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | SOFR 30 day average | 45 | 5.000 | N 1/8 | 9.5000 | 5.500 | 6 Months | 6 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.0000 | (No Data) | (No Data) | 12.5000 | 5.0000 | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 316 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 317 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 318 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 319 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 320 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 321 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 322 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 323 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 324 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 328 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 329 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 330 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 331 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Field Review | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 332 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 333 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 334 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 335 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 336 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 337 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 338 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 339 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 340 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 341 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 342 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 343 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 344 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 345 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest on amt prepd if amt prepd is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 346 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 347 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 348 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 349 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |
| 350 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | XXXXXX | (No Data) |

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| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 123 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 67 | 13000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 655 | 647 | 618 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 506 | 504 | 549 | XXXXXX | XXXXXX | XXXXXX | 647 | XXXXXX | XXXXXX | 30.96 | 49.83 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.63 | 1.63 | Fully Amortized | 8.625 | XXXXXX | 30.96 | 49.83 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | Business Bank <br> Statements - 12 <br> months;<br> CPA Letter without <br> Income - 24 <br> months; | Personal Bank Statements - 2 months;<br> W2 - 24 months; | Personal Bank Statements - 2 months;<br> W2 - 24 months; |
| 124 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 120 | 2200.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 745 | 765 | 757 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 660 | 649 | 684 | XXXXXX | XXXXXX | XXXXXX | 757 | XXXXXX | XXXXXX | 27.71 | 37.79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 25.35 | 25.35 | Fully Amortized | 7.625 | XXXXXX | 27.71 | 37.79 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | D A | A D C | D A | A | Business Bank Statements - 12 months;<br> CPA Letter - 120 months; | Business Bank Statements - 12 months;<br> CPA Letter - 120 months; | (No Data) | (No Data) |
| 126 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 107 | 30000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 713 | 767 | 749 | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 4.43 | 19.89 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 44.46 | 44.46 | Fully Amortized | 7.999 | XXXXXX | 4.43 | 19.89 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 127 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 89 | 53580.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 648 | 665 | 650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 650 | XXXXXX | XXXXXX | 22.33 | 31.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.32 | 0.32 | Fully Amortized | 7.999 | XXXXXX | 22.33 | 31.23 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D B | D B A | A D B | D B A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 128 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 348 | 43118.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 630 | 641 | 626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 630 | XXXXXX | XXXXXX | 15.77 | 28.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 39.46 | 39.46 | Fully Amortized | 8.500 | XXXXXX | 15.77 | 28.36 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months;<br> CPA Letter - 36 months; | (No Data) | (No Data) | (No Data) |
| 129 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 121 | 74987.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 609 | 621 | 638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 621 | XXXXXX | XXXXXX | 42.88 | 49.95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.72 | 6.72 | Fully Amortized | 9.875 | XXXXXX | 42.88 | 49.95 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | (No Data) | (No Data) | (No Data) |
| 130 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 36 | 47196.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 758 | 714 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 725 | XXXXXX | XXXXXX | 14.89 | 26.43 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.89 | 9.89 | Fully Amortized | 7.875 | XXXXXX | 14.89 | 26.43 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D | A | A D | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 144 months; | (No Data) | (No Data) | (No Data) |
| 132 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 326 | 35200.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 793 | 766 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 787 | 766 | XXXXXX | XXXXXX | XXXXXX | 766 | XXXXXX | XXXXXX | 8.62 | 49.38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 31.44 | 31.44 | Fully Amortized | 6.999 | XXXXXX | 8.62 | 49.38 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | (No Data) | (No Data) |
| 133 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 165 | 37900.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 741 | 725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 725 | XXXXXX | XXXXXX | 8.06 | 31.07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 23.24 | 23.24 | Fully Amortized | 8.750 | XXXXXX | 8.06 | 31.07 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months;<br> Lease Agreement - 12 months; | (No Data) | (No Data) | (No Data) |
| 134 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 88 | 30000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 710 | 746 | 756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 746 | XXXXXX | XXXXXX | 17.48 | 38.51 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 27.87 | 27.87 | Fully Amortized | 8.125 | XXXXXX | 17.48 | 38.51 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 135 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 7 | No | Present | XXXXXX | 231 | 61391.00 | 23 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 727 | 632 | 748 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 638 | 760 | XXXXXX | XXXXXX | XXXXXX | 727 | XXXXXX | XXXXXX | 20.27 | 30.35 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.2 | 11.20 | Fully Amortized | 7.750 | XXXXXX | 20.27 | 30.35 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) B | A B | A B | A B | A | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 136 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 14 | 41978.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 756 | 734 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 756 | XXXXXX | XXXXXX | 26.44 | 43.45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 27.55 | 26.51 | Fully Amortized | 7.750 | XXXXXX | 27.48 | 44.49 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 137 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 108 | 14100.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 751 | 780 | 741 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 751 | XXXXXX | XXXXXX | 35.83 | 43.7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 42.56 | 42.56 | Fully Amortized | 8.250 | XXXXXX | 35.83 | 43.7 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 138 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 236 | 50400.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 792 | 797 | XXXXXX | XXXXXX | XXXXXX | 792 | XXXXXX | XXXXXX | 8.32 | 43.42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.71 | 10.71 | Fully Amortized | 7.625 | XXXXXX | 8.32 | 43.42 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 139 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 113 | 10000.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 653 | 635 | 640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 640 | XXXXXX | XXXXXX | 11.57 | 22.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 41.65 | 41.65 | Qualifying Rate | 8.750 | XXXXXX | 11.57 | 22.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 140 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 168 | 15000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 792 | 815 | 777 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 792 | XXXXXX | XXXXXX | 42.07 | 44.57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.38 | 4.38 | Fully Amortized | 6.999 | XXXXXX | 42.07 | 44.57 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 141 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 33 | 1000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 653 | 643 | 632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 643 | XXXXXX | XXXXXX | 5.65 | 7.82 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 105.82 | 105.82 | Fully Amortized | 8.750 | XXXXXX | 5.65 | 7.82 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 142 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 108 | 56120.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 728 | 732 | 714 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 728 | XXXXXX | XXXXXX | 0 | 34.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 49.89 | 49.89 | Fully Amortized | 6.999 | XXXXXX | 0 | 34.62 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C A | A D | C A | A | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 143 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 370 | 35851.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 728 | 757 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 9.37 | 15.4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 87.83 | 87.83 | I/O Amount | 7.999 | XXXXXX | 9.37 | 15.4 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 148 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 164 | 44900.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 773 | 788 | 784 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 784 | XXXXXX | XXXXXX | 16.94 | 17.05 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.91 | 7.91 | Fully Amortized | 7.375 | XXXXXX | 16.94 | 17.05 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | C A | A C | C A | A | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 149 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 256 | 25539.00 | 37 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 659 | 618 | 658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 570 | 629 | 633 | XXXXXX | XXXXXX | XXXXXX | 658 | XXXXXX | XXXXXX | 12.83 | 46.81 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.33 | 29.33 | Fully Amortized | 9.375 | XXXXXX | 12.83 | 46.81 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) | (No Data) |
| 150 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 375 | 36657.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 777 | 749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 763 | XXXXXX | XXXXXX | 11.77 | 29.22 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 28.93 | 28.93 | Fully Amortized | 7.375 | XXXXXX | 11.77 | 29.22 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 151 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 96 | 13800.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 669 | 712 | 700 | XXXXXX | XXXXXX | XXXXXX | 700 | XXXXXX | XXXXXX | 0.55 | 2.82 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 58.77 | 58.77 | Fully Amortized | 7.875 | XXXXXX | 0.55 | 2.82 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |
| 152 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 163 | 49881.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 682 | 699 | 699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 699 | XXXXXX | XXXXXX | 47.54 | 48.07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.32 | 5.32 | Fully Amortized | 8.625 | XXXXXX | 47.54 | 48.07 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| 153 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 256 | 32000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 682 | 640 | 691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 682 | XXXXXX | XXXXXX | 31.88 | 37.55 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.57 | 5.57 | Fully Amortized | 8.999 | XXXXXX | 31.88 | 37.55 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | W2 - 12 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 154 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 236 | 53629.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 790 | 785 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 790 | XXXXXX | XXXXXX | 10.68 | 17.69 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.17 | 9.17 | Fully Amortized | 7.625 | XXXXXX | 10.68 | 17.69 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 155 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 153 | 20000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 710 | 716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 694 | 714 | 714 | XXXXXX | XXXXXX | XXXXXX | 714 | XXXXXX | XXXXXX | 11.09 | 35.05 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 123.49 | 123.49 | Fully Amortized | 7.125 | XXXXXX | 11.09 | 35.05 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | B A | B D A | B A | B | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 157 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 161 | 14500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 771 | 770 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 778 | 764 | XXXXXX | XXXXXX | XXXXXX | 770 | XXXXXX | XXXXXX | 38.52 | 42.79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.29 | 10.29 | Fully Amortized | 6.999 | XXXXXX | 38.52 | 42.79 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) |
| 158 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 383 | 36500.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 681 | 668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 681 | XXXXXX | XXXXXX | 6.91 | 28.91 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 89.4 | 89.40 | Fully Amortized | 9.750 | XXXXXX | 6.91 | 28.91 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C B A | B D A | C B A | B | Business Bank Statements - 11 months; | (No Data) | (No Data) | (No Data) |
| 159 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 281 | 18000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 776 | 771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 771 | XXXXXX | XXXXXX | 33.77 | 37.85 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 106.99 | 106.99 | Fully Amortized | 6.875 | XXXXXX | 33.77 | 37.85 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D | D A | A D | D A | A | Business Bank Statements - 24 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) |
| 160 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 268 | 33000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 746 | 764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 764 | XXXXXX | XXXXXX | 10.28 | 47.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 51.57 | 51.57 | Fully Amortized | 7.125 | XXXXXX | 10.28 | 47.32 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Estimated | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 161 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 155 | 33600.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 796 | 755 | XXXXXX | XXXXXX | XXXXXX | 777 | XXXXXX | XXXXXX | 13.26 | 33.78 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.45 | 15.45 | Fully Amortized | 7.250 | XXXXXX | 13.26 | 33.78 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 162 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 83 | 16800.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 726 | 729 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 729 | XXXXXX | XXXXXX | 14.63 | 31.59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.91 | 7.91 | Fully Amortized | 8.999 | XXXXXX | 14.63 | 31.59 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 163 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 60 | 177886.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 648 | 650 | 686 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 650 | XXXXXX | XXXXXX | 13.01 | 24.06 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.53 | 15.53 | Fully Amortized | 8.125 | XXXXXX | 13.01 | 24.06 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 164 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 99 | 31500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 796 | 753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 779 | 750 | XXXXXX | XXXXXX | XXXXXX | 780 | XXXXXX | XXXXXX | 5.91 | 28.28 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 214.1 | 214.10 | Fully Amortized | 8.500 | XXXXXX | 5.91 | 28.28 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | A | A D C | A | A | Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 165 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 102 | 48000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 745 | 641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 745 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.65 | 14.65 | Fully Amortized | 8.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 166 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 20 | 2000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 699 | 720 | 693 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 699 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 167 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 294 | 100406.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 693 | 719 | 721 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 719 | XXXXXX | XXXXXX | 9.25 | 43.52 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.07 | 12.07 | Fully Amortized | 8.000 | XXXXXX | 9.25 | 43.52 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 168 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 291 | 28000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 696 | 692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 696 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 169 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 291 | 28000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 696 | 692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 696 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.43 | 4.43 | Fully Amortized | 8.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 170 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 98 | 22000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 745 | 750 | 741 | XXXXXX | XXXXXX | XXXXXX | 745 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 101.11 | 101.11 | Fully Amortized | 8.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 171 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 419 | 53132.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 815 | 812 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 812 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.64 | 11.64 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | (No Data) | (No Data) | (No Data) | (No Data) |
| 172 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 9.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 173 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 74.5 | 74.50 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 174 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 137 | 28500.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 790 | 782 | XXXXXX | XXXXXX | XXXXXX | 782 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.48 | 12.48 | Fully Amortized | 8.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 175 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 262 | 60537.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 723 | 689 | XXXXXX | XXXXXX | XXXXXX | 723 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.97 | 3.97 | Fully Amortized | 8.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 176 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 177 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.45 | 0.45 | Fully Amortized | 8.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 178 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 106 | 75000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 750 | 744 | XXXXXX | XXXXXX | XXXXXX | 758 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 179 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 430 | 181773.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 770 | 740 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 759 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 180 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 96 | 10600.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 655 | 731 | 711 | XXXXXX | XXXXXX | XXXXXX | 711 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 181 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.82 | 30.82 | Fully Amortized | 9.125 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 182 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.12 | 16.12 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 183 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.69 | 3.69 | Fully Amortized | 8.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 184 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 113 | 8100.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 739 | 719 | 713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 719 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.54 | 0.54 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 185 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 186 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 128 | 45000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 713 | 711 | 710 | XXXXXX | XXXXXX | XXXXXX | 711 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.71 | 0.71 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 187 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 101 | 12000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 807 | 812 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 807 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.92 | 3.92 | Fully Amortized | 8.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 189 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.02 | 16.02 | Fully Amortized | 8.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 190 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 262 | 16000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 742 | 792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 753 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 107.21 | 107.21 | Fully Amortized | 8.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 191 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 37 | 300.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 736 | 724 | XXXXXX | XXXXXX | XXXXXX | 736 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 19.35 | 19.35 | Fully Amortized | 8.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | (No Data) | (No Data) | (No Data) | (No Data) |
| 192 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 300 | 37000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 758 | 744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 744 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 193 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 69 | 30505.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 729 | 758 | 702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 729 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 10.125 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 194 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 6 | No | Present | XXXXXX | 232 | 30000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 749 | 687 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 715 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.43 | 0.43 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 195 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 127.08 | 127.08 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 196 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 538 | 14000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 717 | 716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 690 | 801 | 704 | XXXXXX | XXXXXX | XXXXXX | 704 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 25.36 | 25.36 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | A | A D C | A B | A | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 197 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 150 | 8000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 815 | 797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 806 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 33.84 | 31.84 | Fully Amortized | 8.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 198 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 124 | 11000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 711 | 705 | 676 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 705 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.64 | 13.64 | Fully Amortized | 8.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 199 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 331 | 287050.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 722 | 694 | XXXXXX | XXXXXX | XXXXXX | 806 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | (No Data) | (No Data) | (No Data) | (No Data) |
| 200 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 23 | 38400.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 779 | 781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 781 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 201 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 276 | 15000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 788 | 790 | 779 | XXXXXX | XXXXXX | XXXXXX | 812 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 52.81 | 52.81 | Fully Amortized | 6.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; |
| 202 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 251 | 33300.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 721 | 725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 725 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 203 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 354 | 30122.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 706 | 676 | XXXXXX | XXXXXX | XXXXXX | 724 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 62.82 | 62.82 | Fully Amortized | 9.125 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 204 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 295 | 55000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 773 | 795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 773 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 22.53 | 22.53 | Fully Amortized | 8.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | (No Data) | (No Data) | (No Data) | (No Data) |
| 205 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.54 | 1.54 | Fully Amortized | 8.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 206 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 130 | 10400.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 796 | 790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 793 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 207 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 38 | 8000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 706 | 716 | 692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 706 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.36 | 0.36 | Fully Amortized | 7.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 208 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.85 | 30.85 | Fully Amortized | 8.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 209 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 210 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 100 | 101800.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 789 | 783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 709 | 697 | 700 | XXXXXX | XXXXXX | XXXXXX | 783 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 48.76 | 42.89 | Custom Qual. P&I | (No Data) | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 211 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 0 | 0.00 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 207.37 | 207.37 | Fully Amortized | 8.375 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 212 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 307 | 63319.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 727 | 690 | 726 | XXXXXX | XXXXXX | XXXXXX | 726 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 213 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 317 | 16500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 745 | 737 | 753 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 745 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 214 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 110 | 12000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 772 | 783 | XXXXXX | XXXXXX | XXXXXX | 772 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.84 | 17.84 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 215 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 222 | 148124.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 778 | 737 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 767 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.45 | 4.98 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 216 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 67 | 32300.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 775 | 739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 655 | 666 | 630 | XXXXXX | XXXXXX | XXXXXX | 755 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 47.3 | 47.30 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 217 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 105 | 86250.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 695 | 738 | Not Applicable | XXXXXX | XXXXXX | XXXXXX | 695 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 9.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 218 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 445 | 30000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 696 | 675 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 696 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | (No Data) | (No Data) | (No Data) | (No Data) |
| 219 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 25 | 13500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 810 | 716 | 649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 716 | XXXXXX | XXXXXX | 0 | 8.83 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 147.69 | 147.69 | Fully Amortized | 7.500 | XXXXXX | 0 | 8.83 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 14 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 220 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 52.29 | 52.29 | Fully Amortized | 7.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 221 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 108 | 30000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 699 | 685 | 696 | XXXXXX | XXXXXX | XXXXXX | 696 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 109.92 | 109.92 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 222 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 213 | 181724.00 | 31 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 800 | 731 | XXXXXX | XXXXXX | XXXXXX | 783 | XXXXXX | XXXXXX | 14.6 | 45.01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 28.97 | 28.97 | Fully Amortized | 7.375 | XXXXXX | 14.6 | 45.01 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 223 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 20 | 800.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 711 | 711 | 691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 711 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.07 | 6.07 | Fully Amortized | 8.625 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 224 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Unavailable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 225 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 175 | 20000.00 | 10 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 697 | 711 | 706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 706 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 18.16 | 18.16 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 226 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 81 | 25000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 783 | 796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 794 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | (No Data) | (No Data) | (No Data) | (No Data) |
| 227 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 278 | 19470.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 740 | 704 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 704 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.1 | 0.10 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 228 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 204 | 8100.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 787 | 762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 763 | XXXXXX | XXXXXX | 31.57 | 43.71 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.89 | 29.89 | Fully Amortized | 7.500 | XXXXXX | 31.57 | 43.71 | 12mo. Bus. Bank Stmt | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) B | A B | A B | A B | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 229 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 353 | 20000.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 692 | 741 | XXXXXX | XXXXXX | XXXXXX | 746 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 72.98 | 72.98 | Fully Amortized | 8.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 230 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 193 | 17600.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 820 | 808 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 745 | 804 | 811 | XXXXXX | XXXXXX | XXXXXX | 804 | XXXXXX | XXXXXX | 37.47 | 47.59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.500 | XXXXXX | 37.47 | 47.59 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | CPA Letter - 56 months;<br> Personal Bank Statements - 12 months; | CPA Letter - 56 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 231 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 475 | 44500.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 722 | 739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 773 | 741 | XXXXXX | XXXXXX | XXXXXX | 739 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 150.04 | 150.04 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 232 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 127 | 22000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 694 | 693 | 713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 694 | XXXXXX | XXXXXX | 25.42 | 32.82 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.89 | 16.89 | Fully Amortized | 8.250 | XXXXXX | 25.42 | 32.82 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter - 240 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 233 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 115 | 14600.00 | 24 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 606 | 654 | 650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 650 | XXXXXX | XXXXXX | 36.02 | 48.17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0.43 | 0.43 | Fully Amortized | 8.375 | XXXXXX | 36.02 | 48.17 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 13 months;<br> CPA Letter - 108 months; | (No Data) | (No Data) | (No Data) |
| 234 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 72 | 9100.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 721 | 724 | 722 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 722 | XXXXXX | XXXXXX | 5.8 | 17.12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 26.5 | 26.50 | Fully Amortized | 8.250 | XXXXXX | 5.8 | 17.12 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 235 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 118 | 20000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 691 | 716 | 682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 691 | XXXXXX | XXXXXX | 14.33 | 23.53 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.55 | 12.55 | Fully Amortized | 8.999 | XXXXXX | 14.33 | 23.53 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 236 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 96 | 62160.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 716 | 723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 723 | XXXXXX | XXXXXX | 7.08 | 9.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 18.03 | 18.03 | Fully Amortized | 7.999 | XXXXXX | 7.08 | 9.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 237 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 18 | 8500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 627 | 625 | 555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 625 | XXXXXX | XXXXXX | 35.94 | 36.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 26.62 | 26.62 | Fully Amortized | 8.250 | XXXXXX | 35.94 | 36.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter - 60 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 238 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 30 | 25547.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 701 | 701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 701 | XXXXXX | XXXXXX | 3.62 | 19.95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.23 | 10.23 | Fully Amortized | 8.250 | XXXXXX | 3.62 | 19.95 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 239 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 102 | 15100.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 753 | 754 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 754 | XXXXXX | XXXXXX | 34.68 | 41.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 386.96 | 386.96 | Fully Amortized | 8.250 | XXXXXX | 34.68 | 41.36 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | 1099 - 12 months;<br> Award Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 240 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 22 | 2800.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 744 | 751 | 743 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 744 | XXXXXX | XXXXXX | 31.5 | 40.1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.09 | 9.09 | Fully Amortized | 8.500 | XXXXXX | 31.5 | 40.1 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 241 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 109 | 24500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 711 | 723 | 740 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 723 | XXXXXX | XXXXXX | 23.6 | 25.81 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.39 | 30.39 | Fully Amortized | 8.375 | XXXXXX | 23.6 | 25.81 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 242 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 143 | 16000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 811 | 809 | 796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 809 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 63.26 | 63.26 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 243 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 139 | 6900.00 | 25 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 666 | 671 | 664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 597 | 574 | 612 | XXXXXX | XXXXXX | XXXXXX | 666 | XXXXXX | XXXXXX | 31.26 | 42.68 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.999 | XXXXXX | 31.26 | 42.68 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 244 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 97 | 16000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 767 | 784 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 780 | XXXXXX | XXXXXX | 0 | 41.24 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 168.93 | 168.93 | Fully Amortized | 8.250 | XXXXXX | 0 | 41.24 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 481 months; | (No Data) | (No Data) | (No Data) |
| 245 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 91 | 17028.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 780 | 749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 786 | 769 | XXXXXX | XXXXXX | XXXXXX | 772 | XXXXXX | XXXXXX | 12.56 | 20.61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.82 | 12.82 | Fully Amortized | 8.750 | XXXXXX | 12.56 | 20.61 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 96 months; | Business Bank Statements - 12 months;<br> CPA Letter - 96 months; | (No Data) | (No Data) |
| 246 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 217 | 50000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 829 | 729 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 813 | 829 | Not Applicable | XXXXXX | XXXXXX | XXXXXX | 794 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 257.64 | 257.64 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 2 months; | Personal Bank Statements - 2 months; | (No Data) | (No Data) |
| 247 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 6 | No | Present | XXXXXX | 28 | 4736.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 757 | 783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 783 | XXXXXX | XXXXXX | 19.45 | 45.21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.67 | 8.67 | Fully Amortized | 8.875 | XXXXXX | 19.45 | 45.21 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 248 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 75 | 20300.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 791 | 777 | 792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 791 | XXXXXX | XXXXXX | 19.53 | 28.99 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.73 | 17.73 | Fully Amortized | 8.750 | XXXXXX | 19.53 | 28.99 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 13 months;<br> CPA Letter - 124 months; | (No Data) | (No Data) | (No Data) |
| 249 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 367 | 27000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 721 | 745 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 45.02 | 46.93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.58 | 2.58 | Fully Amortized | 6.999 | XXXXXX | 45.02 | 46.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Written VOE - 271 months; | (No Data) | (No Data) | (No Data) |
| 250 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 229 | 15507.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 737 | 744 | 815 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 811 | 814 | 807 | XXXXXX | XXXXXX | XXXXXX | 744 | XXXXXX | XXXXXX | 23.59 | 47.95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.5 | 1.50 | Fully Amortized | 7.500 | XXXXXX | 23.59 | 47.95 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Award Letter - 12 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months; | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 12 months; | (No Data) |
| 251 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 334 | 18000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 721 | 723 | 719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 721 | XXXXXX | XXXXXX | 31.92 | 41.55 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.250 | XXXXXX | 31.92 | 41.55 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Paystub - 1 months;<br> Verbal VOE with Income - 25 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 253 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 266 | 13300.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 711 | 686 | 701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 701 | XXXXXX | XXXXXX | 34.28 | 46.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.23 | 1.23 | Fully Amortized | 6.875 | XXXXXX | 34.28 | 46.75 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 254 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 52 | 6700.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 693 | 733 | 717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 717 | XXXXXX | XXXXXX | 20.97 | 26.19 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 32.66 | 32.66 | Fully Amortized | 6.750 | XXXXXX | 20.97 | 26.19 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 255 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 87 | 16500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 756 | 735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 735 | XXXXXX | XXXXXX | 37.57 | 49.96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 43.77 | 43.77 | Fully Amortized | 6.500 | XXXXXX | 37.57 | 49.96 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months; | (No Data) | (No Data) | (No Data) |
| 256 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 24 | 13000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 733 | 745 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 741 | XXXXXX | XXXXXX | 21.09 | 24.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.99 | 11.99 | Fully Amortized | 7.375 | XXXXXX | 21.09 | 24.75 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | CPA Letter without Income - 24 months;<br> P & L Only - 14 months; | (No Data) | (No Data) | (No Data) |
| 257 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 197 | 21000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 801 | 802 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 801 | XXXXXX | XXXXXX | 42.24 | 44.42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4.33 | 4.33 | Fully Amortized | 7.500 | XXXXXX | 42.24 | 44.42 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 258 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 231 | 13649.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 694 | 670 | 711 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 694 | XXXXXX | XXXXXX | 14.23 | 23.77 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 14.88 | 14.88 | Fully Amortized | 8.250 | XXXXXX | 14.23 | 23.77 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 259 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 33 | 4500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 675 | 762 | 726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 598 | 629 | 633 | XXXXXX | XXXXXX | XXXXXX | 726 | XXXXXX | XXXXXX | 40.96 | 45.45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 16.51 | 16.51 | Fully Amortized | 7.750 | XXXXXX | 40.96 | 45.45 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 72 months; | (No Data) | (No Data) | (No Data) |
| 260 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 66 | 22400.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 740 | 735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 735 | XXXXXX | XXXXXX | 14.63 | 34.94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 137.16 | 137.16 | Fully Amortized | 6.500 | XXXXXX | 14.63 | 34.94 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 261 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 302 | 75000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 729 | 729 | 621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 729 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 96.21 | 96.21 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | (No Data) | (No Data) | (No Data) | (No Data) |
| 262 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 416 | 136412.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 683 | 699 | 742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 649 | 657 | 708 | XXXXXX | XXXXXX | XXXXXX | 699 | XXXXXX | XXXXXX | 6.88 | 46.46 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.125 | XXXXXX | 6.88 | 46.46 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 348 months; | (No Data) | (No Data) | (No Data) |
| 263 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 39 | 1500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 777 | 758 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 758 | XXXXXX | XXXXXX | 36.64 | 37.03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.09 | 15.09 | Fully Amortized | 7.999 | XXXXXX | 36.64 | 37.03 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 264 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 93 | 5000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 641 | 760 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 736 | XXXXXX | XXXXXX | 28.34 | 35.53 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.999 | XXXXXX | 28.34 | 35.53 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 30 months; | (No Data) | (No Data) | (No Data) |
| 265 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 6 | No | Present | XXXXXX | 183 | 18000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 621 | 651 | 638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 718 | 713 | 727 | XXXXXX | XXXXXX | XXXXXX | 718 | XXXXXX | XXXXXX | 37.67 | 48.74 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.2 | 11.20 | Fully Amortized | 8.250 | XXXXXX | 37.67 | 48.74 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 1 months;<br> Verbal VOE with Income - 36 months;<br> W2 - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 84 months; | (No Data) | (No Data) |
| 266 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 407 | 19300.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 709 | 680 | 704 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 704 | XXXXXX | XXXXXX | 22.5 | 46.58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.85 | 3.85 | Fully Amortized | 10.375 | XXXXXX | 22.5 | 46.58 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 13 months;<br> CPA Letter - 60 months; | (No Data) | (No Data) | (No Data) |
| 267 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 87 | 60000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 806 | 794 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 806 | XXXXXX | XXXXXX | 28.61 | 38.73 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 26.67 | 26.67 | Fully Amortized | 7.750 | XXXXXX | 28.61 | 38.73 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 268 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 279 | 46024.00 | 22 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 696 | 718 | 699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 699 | XXXXXX | XXXXXX | 14.95 | 37.48 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.09 | 11.09 | Fully Amortized | 7.875 | XXXXXX | 14.95 | 37.48 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 132 months; | (No Data) | (No Data) | (No Data) |
| 269 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 382 | 43100.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 801 | 832 | 812 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 812 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 102.52 | 102.52 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | (No Data) | (No Data) | (No Data) | (No Data) |
| 270 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 306 | 35200.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 738 | 711 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 726 | XXXXXX | XXXXXX | 33.49 | 42.9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.43 | 17.43 | Fully Amortized | 8.875 | XXXXXX | 33.49 | 42.9 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | A B | A C B | A B | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| 271 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 165 | 24500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 735 | 745 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 741 | XXXXXX | XXXXXX | 15.2 | 41.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3.21 | 3.21 | Fully Amortized | 7.500 | XXXXXX | 15.2 | 41.41 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 13 months;<br> CPA Letter - 48 months; | (No Data) | (No Data) | (No Data) |
| 272 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 161 | 29000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 788 | 795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 705 | 717 | 696 | XXXXXX | XXXXXX | XXXXXX | 705 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 24.22 | 24.22 | Fully Amortized | 6.999 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | (No Data) | (No Data) | (No Data) | (No Data) |
| 273 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 271 | 28000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 802 | 793 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 799 | XXXXXX | XXXXXX | 24.97 | 31.95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 31.01 | 31.01 | Fully Amortized | 7.500 | XXXXXX | 24.97 | 31.95 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 96 months;<br> P & L - 13 months; | (No Data) | (No Data) | (No Data) |
| 274 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 153 | 69980.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 749 | 762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 759 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 159.75 | 159.75 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | (No Data) | (No Data) | (No Data) | (No Data) |
| 275 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 13 | 12000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 810 | 794 | 788 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 794 | XXXXXX | XXXXXX | 39.19 | 43.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 35.49 | 35.49 | Fully Amortized | 7.375 | XXXXXX | 39.19 | 43.75 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Award Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 276 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 304 | 5700.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 752 | 759 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 758 | 767 | XXXXXX | XXXXXX | XXXXXX | 759 | XXXXXX | XXXXXX | 37.29 | 48.06 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 37.71 | 37.71 | Fully Amortized | 7.500 | XXXXXX | 37.29 | 48.06 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | CPA Letter without Income - 264 months;<br> W2 - 12 months; | Award Letter - 12 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) |
| 278 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 110 | 11300.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 718 | 707 | 707 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 707 | XXXXXX | XXXXXX | 18.79 | 31.85 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.2 | 7.20 | Fully Amortized | 7.375 | XXXXXX | 18.79 | 31.85 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter - 120 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 279 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 179 | 26025.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 730 | 784 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 741 | 757 | XXXXXX | XXXXXX | XXXXXX | 755 | XXXXXX | XXXXXX | 32.75 | 47.76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.25 | 7.25 | Fully Amortized | 7.500 | XXXXXX | 32.75 | 47.76 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 281 | XXXXXX | XXXXXX | Discretionary | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 1451.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 742 | 726 | 743 | XXXXXX | XXXXXX | XXXXXX | 742 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 23.6 | 23.60 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A B | A C | A B | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 282 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 84851.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 715 | 723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 723 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 432.81 | 432.81 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | A B | A D C | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 283 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 82 | 30000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 711 | 720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 719 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.23 | 15.23 | Fully Amortized | 6.990 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A B | A C | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 284 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Missing | No | Present | XXXXXX | 99 | 15000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 782 | 783 | XXXXXX | XXXXXX | XXXXXX | 782 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 40.93 | 40.93 | Fully Amortized | 7.490 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 285 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 144 | 1156000.00 | 33 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 691 | 720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 742 | 733 | 713 | XXXXXX | XXXXXX | XXXXXX | 719 | XXXXXX | XXXXXX | 9.64 | 32.82 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 31.19 | 31.19 | Fully Amortized | 7.750 | XXXXXX | 9.64 | 32.82 | 12 Month BS | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | A B | A D B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 286 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 30000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 762 | 790 | XXXXXX | XXXXXX | XXXXXX | 779 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 81.49 | 81.49 | Fully Amortized | 7.750 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A B | N/A C | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 287 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 61 | 15000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 810 | 806 | 803 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 806 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 118.07 | 118.07 | Fully Amortized | 7.490 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 288 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 18000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 792 | 776 | XXXXXX | XXXXXX | XXXXXX | 790 | XXXXXX | XXXXXX | 15.49 | 30.42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.75 | 17.75 | Fully Amortized | 7.875 | XXXXXX | 15.49 | 30.42 | 12 Month BS | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A B | A C | A B | A | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 289 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 84 | 40200.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 791 | 770 | XXXXXX | XXXXXX | XXXXXX | 778 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 65.29 | 65.29 | Fully Amortized | 8.375 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 290 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 88 | 19500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 721 | 758 | XXXXXX | XXXXXX | XXXXXX | 734 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 34.06 | 34.06 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | A B | A D C | A B | A | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 291 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 58 | 16000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 751 | 750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 751 | XXXXXX | XXXXXX | 41.35 | 42.88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.36 | 6.36 | Fully Amortized | 7.125 | XXXXXX | 41.35 | 42.88 | 12 Month P&L | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | C B A | B D C | C B A | B | P & L Only - 12 months; | (No Data) | (No Data) | (No Data) |
| 292 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 52 | 15000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 727 | 733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 733 | XXXXXX | XXXXXX | 28.9 | 41.05 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 95.54 | 95.54 | Fully Amortized | 7.875 | XXXXXX | 28.9 | 41.05 | 12 Month P&L | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A B | A | CPA Letter - 12 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 293 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 37300.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 798 | 760 | XXXXXX | XXXXXX | XXXXXX | 786 | XXXXXX | XXXXXX | 9.18 | 34.11 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.62 | 15.62 | Fully Amortized | 7.125 | XXXXXX | 9.18 | 34.11 | 12 Month BS | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A B | N/A C | N/A B | N/A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 294 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 79 | 20000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 782 | 808 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 803 | XXXXXX | XXXXXX | 14.41 | 19.03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 11.53 | 11.53 | Fully Amortized | 7.625 | XXXXXX | 14.41 | 19.03 | 24 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 24 months; | (No Data) | (No Data) | (No Data) |
| 295 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 82 | 11300.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 739 | 753 | XXXXXX | XXXXXX | XXXXXX | 753 | XXXXXX | XXXXXX | 16.91 | 49.08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 168.94 | 168.94 | Qualifying Rate | 6.875 | XXXXXX | 16.91 | 49.08 | 12 Month P&L | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | (No Data) | P & L - 12 months; | (No Data) | (No Data) |
| 296 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 99 | 18000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 776 | 788 | 767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 776 | XXXXXX | XXXXXX | 0 | 32.46 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 42.1 | 42.10 | Fully Amortized | 7.490 | XXXXXX | 0 | 32.46 | 24 Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | Business Tax Return - 12 months;<br> Paystub - 24 months; | (No Data) | (No Data) | (No Data) |
| 297 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 718143.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 804 | 792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 735 | 735 | XXXXXX | XXXXXX | XXXXXX | 735 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.65 | 12.65 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | D A | A D | D A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 298 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 13979.00 | 24 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 745 | 739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 772 | 767 | XXXXXX | XXXXXX | XXXXXX | 745 | XXXXXX | XXXXXX | 11.41 | 49.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 61.71 | 61.71 | Fully Amortized | 7.875 | XXXXXX | 11.41 | 49.67 | 12 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D B A | A D | D B A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 299 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 99 | 38600.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 766 | 740 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 740 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 92.57 | 92.57 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | B A | B D A | B A | B | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 300 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 35000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 765 | 746 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 757 | 728 | XXXXXX | XXXXXX | XXXXXX | 757 | XXXXXX | XXXXXX | 10.79 | 30.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 42.75 | 42.75 | Fully Amortized | 7.490 | XXXXXX | 10.79 | 30.41 | 12 Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months; | (No Data) | (No Data) |
| 301 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 52500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 832 | 812 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 812 | XXXXXX | XXXXXX | 9.68 | 23.3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 53.12 | 53.12 | Fully Amortized | 7.875 | XXXXXX | 9.68 | 23.3 | 24 Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 302 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 49 | 15000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 732 | 739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 732 | XXXXXX | XXXXXX | 27.55 | 28.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 29.51 | 29.51 | Fully Amortized | 8.125 | XXXXXX | 27.55 | 28.32 | 12 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | C B A | B D C | C B A | B | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 303 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 17500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 701 | 709 | 707 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 707 | XXXXXX | XXXXXX | 20.75 | 23.91 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 32.52 | 32.52 | Fully Amortized | 8.000 | XXXXXX | 20.75 | 23.91 | 12 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C A | A D | C A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 304 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 75 | 30000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 731 | 749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 39.5 | 49.96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.73 | 7.73 | Fully Amortized | 7.375 | XXXXXX | 39.5 | 49.96 | 12 Month P&L | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D | A B | A D | A B | A | P & L Only - 12 months; | (No Data) | (No Data) | (No Data) |
| 305 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 208532.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 804 | 798 | XXXXXX | XXXXXX | XXXXXX | 804 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 235.55 | 235.55 | Fully Amortized | 6.990 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 306 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 19700.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 801 | 802 | 800 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 801 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 53.17 | 53.17 | Fully Amortized | 7.625 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 307 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 25300.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 783 | 792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | Not Applicable | 757 | XXXXXX | XXXXXX | XXXXXX | 722 | XXXXXX | XXXXXX | 33.61 | 40.37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 13.16 | 13.16 | Fully Amortized | 7.875 | XXXXXX | 33.61 | 40.37 | 24 Full Doc | Yes | Loan Prospector (LP) (FHLMC) or Loan Product Advisor | Accept LP AUS Only | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Paystub - 1 months;<br> W2 - 12 months; | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 308 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 82 | 17000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 766 | 747 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 781 | 799 | XXXXXX | XXXXXX | XXXXXX | 766 | XXXXXX | XXXXXX | 38.02 | 48.76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 28.93 | 28.93 | Fully Amortized | 7.875 | XXXXXX | 38.02 | 48.76 | 12 Month BS | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 309 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 87 | 2501.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 753 | 767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 767 | XXXXXX | XXXXXX | 3.91 | 6.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 49.57 | 49.57 | Fully Amortized | 7.490 | XXXXXX | 3.91 | 6.25 | 12 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 310 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 84 | 14000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 798 | 790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 790 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 115.79 | 115.79 | I/O Amount | 7.250 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 312 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 99 | 30000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 801 | 797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 807 | 776 | XXXXXX | XXXXXX | XXXXXX | 797 | XXXXXX | XXXXXX | 20.79 | 41.63 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 17.41 | 17.41 | Fully Amortized | 7.490 | XXXXXX | 20.79 | 41.63 | 24 Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | A | A C | A | A | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 313 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 40000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 822 | 807 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 807 | XXXXXX | XXXXXX | 28.85 | 40.63 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 108.29 | 108.29 | Fully Amortized | 7.875 | XXXXXX | 28.85 | 40.63 | 12 Month P&L | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D B A | B D A | D B A | B | CPA Letter without Income - 24 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 314 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 34500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 791 | 760 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 794 | 771 | XXXXXX | XXXXXX | XXXXXX | 778 | XXXXXX | XXXXXX | 12.71 | 41.24 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 35.59 | 35.59 | Fully Amortized | 7.490 | XXXXXX | 12.71 | 41.24 | 12 Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | CPA Letter without Income - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 315 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 119935.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 769 | 768 | 749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 768 | XXXXXX | XXXXXX | 19.5 | 26.45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.74 | 6.74 | Fully Amortized | 7.500 | XXXXXX | 19.5 | 26.45 | 12 Month P&L | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | P & L Only - 22 months; | (No Data) | (No Data) | (No Data) |
| 316 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 13000.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 763 | 788 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 810 | 744 | 807 | XXXXXX | XXXXXX | XXXXXX | 788 | XXXXXX | XXXXXX | 11.46 | 34.31 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 23.19 | 19.40 | Custom Qual. P&I | (No Data) | XXXXXX | 13.7 | 36.55 | 12 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) D C | D A | A D C | D A | A | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 317 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 7500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 801 | 802 | 788 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 801 | XXXXXX | XXXXXX | 44.8 | 48.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 53.51 | 53.51 | Fully Amortized | 7.490 | XXXXXX | 44.8 | 48.13 | 24 Month P&L | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | A | A C | A | A | CPA Letter - 12 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 318 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 78 | 21500.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | Not Applicable | 719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 714 | XXXXXX | XXXXXX | 21 | 38.08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5.01 | 5.01 | Fully Amortized | 7.625 | XXXXXX | 21 | 38.08 | 12 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 319 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 350000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 756 | 806 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 756 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 27.25 | 27.25 | Fully Amortized | 6.625 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 320 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 99 | 12500.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 769 | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 769 | XXXXXX | XXXXXX | 28.45 | 44.89 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 25.4 | 25.40 | Fully Amortized | 7.375 | XXXXXX | 28.45 | 44.89 | 12 Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Business Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 321 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 99 | 15000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 752 | 734 | 725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 734 | XXXXXX | XXXXXX | 25.7 | 43.07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.91 | 9.91 | Fully Amortized | 7.875 | XXXXXX | 25.7 | 43.07 | 12 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C B A | B D A | C B A | B | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 322 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 5000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 754 | 773 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 773 | XXXXXX | XXXXXX | 13.03 | 33.15 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7 | 6.70 | Fully Amortized | 7.125 | XXXXXX | 13.03 | 33.15 | 12 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 323 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 82 | 16300.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 706 | 703 | 726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 706 | XXXXXX | XXXXXX | 30.45 | 42.14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 15.27 | 15.27 | Fully Amortized | 7.625 | XXXXXX | 30.45 | 42.14 | 12 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A B | A D | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 324 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 132 | 878000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 765 | 716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 755 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 68.64 | 68.64 | Fully Amortized | 7.490 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 328 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 96 | 12000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 730 | 716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 716 | XXXXXX | XXXXXX | 29.17 | 44.99 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 46.71 | 46.71 | Fully Amortized | 7.375 | XXXXXX | 29.17 | 44.99 | 24 Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D | A | A D | A | A | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 329 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 35500.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 765 | 716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 755 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 67.34 | 67.34 | Fully Amortized | 7.490 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 330 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 65 | 16500.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 723 | 710 | 741 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 723 | XXXXXX | XXXXXX | 24.5 | 29.04 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.2 | 10.20 | Fully Amortized | 8.125 | XXXXXX | 24.5 | 29.04 | 24 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 24 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 331 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 99 | 7600.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 788 | 773 | 784 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 784 | XXXXXX | XXXXXX | 20.42 | 42.88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.56 | 6.56 | Fully Amortized | 7.490 | XXXXXX | 20.42 | 42.88 | 12 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 332 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 192 | 440000.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 748 | 749 | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.81 | 12.81 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 333 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 47 | 600.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 759 | 750 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 757 | XXXXXX | XXXXXX | 44.73 | 44.99 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.86 | 8.86 | Fully Amortized | 7.125 | XXXXXX | 44.73 | 44.99 | 12 Month P&L | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A B | A D | A B | A | P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 334 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 5 | No | Present | XXXXXX | 99 | 18150.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 764 | 789 | 765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 765 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 116.7 | 116.70 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 335 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 26500.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | Not Applicable | 779 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 814 | 816 | 811 | XXXXXX | XXXXXX | XXXXXX | 779 | XXXXXX | XXXXXX | 19.41 | 33.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 206.04 | 206.04 | Fully Amortized | 7.625 | XXXXXX | 19.41 | 33.23 | 24 Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 336 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 64 | 3700.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 744 | 714 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 722 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 84.16 | 84.16 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 337 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 82 | 10000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 776 | 767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 776 | XXXXXX | XXXXXX | 28.05 | 40.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 26.56 | 26.56 | Fully Amortized | 7.375 | XXXXXX | 28.05 | 40.62 | 24 Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | A B | A C | A B | A | Paystub - 24 months; | (No Data) | (No Data) | (No Data) |
| 338 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 15500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 669 | 703 | 735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 709 | 725 | 723 | XXXXXX | XXXXXX | XXXXXX | 703 | XXXXXX | XXXXXX | 29.57 | 49.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 27.39 | 27.39 | Fully Amortized | 7.375 | XXXXXX | 29.57 | 49.16 | 12 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 12 months; | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 339 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 43300.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 747 | 749 | XXXXXX | XXXXXX | XXXXXX | 749 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 | 3.00 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 340 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 3 | No | Present | XXXXXX | 99 | 25018.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 792 | 804 | 781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 776 | 773 | XXXXXX | XXXXXX | XXXXXX | 773 | XXXXXX | XXXXXX | 8.12 | 49.57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 107.24 | 107.24 | Fully Amortized | 7.375 | XXXXXX | 8.12 | 49.57 | 12 Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A B | A D | A B | A | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 341 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 99 | 20000.00 | 24 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 791 | 797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 791 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 81.74 | 81.74 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 342 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 15000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 783 | 759 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 774 | XXXXXX | XXXXXX | 29.96 | 49.5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 94.29 | 94.29 | Fully Amortized | 7.490 | XXXXXX | 29.96 | 49.5 | 24 Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | Award Letter - 12 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 343 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 49000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 778 | 760 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 778 | XXXXXX | XXXXXX | 24.11 | 40.29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 122.18 | 122.18 | Fully Amortized | 7.625 | XXXXXX | 24.11 | 40.29 | 12 Month P&L | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | D B | A D C | D B | A | P & L Only - 12 months; | (No Data) | (No Data) | (No Data) |
| 344 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 4 | No | Present | XXXXXX | 99 | 27000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 729 | 745 | 781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 741 | 766 | XXXXXX | XXXXXX | XXXXXX | 741 | XXXXXX | XXXXXX | 1.7 | 18.72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 119.67 | 119.67 | Fully Amortized | 6.750 | XXXXXX | 1.7 | 18.72 | 24 Month BS | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 345 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 20000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 733 | 738 | 751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 738 | XXXXXX | XXXXXX | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20.05 | 20.05 | Fully Amortized | 7.625 | XXXXXX | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 346 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 25000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 738 | 693 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 725 | XXXXXX | XXXXXX | 25.74 | 45.19 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.21 | 7.21 | Fully Amortized | 8.250 | XXXXXX | 25.74 | 45.19 | 24 Month 1099 | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | A | A | A | A | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 10 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 347 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 57 | 12000.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 703 | 727 | 716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 716 | XXXXXX | XXXXXX | 43.17 | 48.72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.99 | 10.99 | Fully Amortized | 7.750 | XXXXXX | 43.17 | 48.73 | WVOE | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Written VOE - 12 months; | (No Data) | (No Data) | (No Data) |
| 348 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 51 | 6600.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 733 | 722 | 710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 676 | 675 | 671 | XXXXXX | XXXXXX | XXXXXX | 722 | XXXXXX | XXXXXX | 7.77 | 13.06 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 30.2 | 30.20 | Fully Amortized | 7.875 | XXXXXX | 7.77 | 13.06 | 12 Month BS | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D B | A B | A D B | A B | A | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 349 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 2 | No | Present | XXXXXX | 78 | 20000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 788 | 789 | 785 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 730 | 758 | 755 | XXXXXX | XXXXXX | XXXXXX | 755 | XXXXXX | XXXXXX | 41.14 | 42.53 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 115.11 | 115.11 | Fully Amortized | 7.490 | XXXXXX | 41.14 | 42.53 | 12 Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | CPA Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months; | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 350 | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | Present | XXXXXX | 1 | No | Present | XXXXXX | 82 | 24000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 788 | 782 | 790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | 788 | XXXXXX | XXXXXX | 15.06 | 30.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 31.54 | 31.54 | Fully Amortized | 7.500 | XXXXXX | 15.06 | 30.36 | 24 Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.3

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2025-NQM6** |
| **Start - End Dates:** | **4/2/2024 - 4/1/2025** |
| **Deal Loan Count:** | **213** |
| **ATR QM Upload** |  |
|  ***Loans in Report:*** | *213* |

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| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 123 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6776 | No | No | 0.651 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.83 | 49.83 | 49.83 | 49.83 | 49.83 | 49.83 | No | No | (No Data) | 7507.53 | No | (No Data) | No | (No Data) | No | No | No | No | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | Yes | 2 | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | Personal Bank Statements - 2 months;<br> W2 - 24 months; | Personal Bank Statements - 2 months;<br> W2 - 24 months; |
| 124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9695 | Yes | Yes | 3.293 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.79 | 37.79 | 37.79 | 37.79 | 37.79 | 37.79 | No | No | (No Data) | 13192.78 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 120 months; | Business Bank Statements - 12 months;<br> CPA Letter - 120 months; | (No Data) | (No Data) |
| 126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 19.89 | 0 | 19.89 | 19.89 | 19.89 | (No Data) | (No Data) | (No Data) | 69296.21 | No | (No Data) | No | (No Data) | No | Yes | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1970 | Yes | Yes | 1.646 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.22 | 31.23 | 31.22 | 31.23 | 31.23 | 31.23 | No | Yes | Yes | 16841.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8241 | Yes | Yes | 2.554 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.52 | 28.36 | 28.52 | 28.36 | 28.36 | 28.36 | Yes | Yes | Yes | 14522.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months; | (No Data) | (No Data) | (No Data) |
| 129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.9729 | No | No | 2.774 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.95 | 49.95 | 49.95 | 49.95 | 49.95 | 49.95 | No | No | (No Data) | 2638.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | (No Data) | (No Data) | (No Data) |
| 130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9404 | Yes | Yes | 2.565 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.42 | 26.43 | 26.42 | 26.43 | 26.43 | 26.43 | Yes | Yes | Yes | 27306.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 144 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 144 months; | (No Data) | (No Data) | (No Data) |
| 132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.38 | 0 | 49.38 | 49.38 | 49.38 | (No Data) | (No Data) | (No Data) | 13595.77 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | (No Data) | (No Data) |
| 133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9339 | Yes | Yes | 1.366 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.07 | 31.07 | 31.07 | 31.07 | 31.07 | 31.07 | No | No | (No Data) | 31940.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months;<br> Lease Agreement - 12 months; | (No Data) | (No Data) | (No Data) |
| 134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2351 | Yes | Yes | 2.688 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.33 | 38.51 | 38.51 | 38.51 | 38.51 | 38.51 | No | No | (No Data) | 14439.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0004 | Yes | Yes | 2.354 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.35 | 30.35 | 30.35 | 30.35 | 30.35 | 30.35 | No | No | (No Data) | 26496.1 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.0344 | No | No | 3.054 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.84 | 45.84 | 45.84 | 43.45 | 43.45 | 44.49 | No | No | (No Data) | 14589.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.4510 | No | No | 3.537 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.89 | 43.7 | 43.89 | 43.7 | 43.7 | 43.7 | Yes | Yes | Yes | 6581.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 43.42 | 0 | 43.42 | 43.42 | 43.42 | (No Data) | (No Data) | (No Data) | 14379.86 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.1404 | Yes | Yes | 3.971 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.93 | 23.74 | 22.93 | 22.93 | 22.93 | 22.93 | No | No | (No Data) | 22410.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4519 | No | No | 4.159 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.37 | 44.57 | 45.37 | 44.57 | 44.57 | 44.57 | Yes | Yes | Yes | 3879.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 141 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.1059 | Yes | Yes | 3.225 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.82 | 7.82 | 7.82 | 7.82 | 7.82 | 7.82 | No | No | (No Data) | 24887.02 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.4582 | Yes | Yes | 4.027 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.62 | 34.62 | 34.62 | 34.62 | 34.62 | 34.62 | No | No | (No Data) | 6462.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.4031 | Yes | Yes | 3.617 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.12 | 16.12 | 16.12 | 15.4 | 15.4 | 15.4 | No | No | (No Data) | 19177.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6457 | Yes | Yes | 2.586 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.05 | 17.05 | 17.05 | 17.05 | 17.05 | 17.05 | No | No | (No Data) | 26369.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.7704 | No | No | 3.344 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.81 | 46.81 | 46.81 | 46.81 | 46.81 | 46.81 | No | No | (No Data) | 14970.01 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) | (No Data) |
| 150 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 29.22 | 0 | 29.22 | 29.22 | 29.22 | (No Data) | (No Data) | (No Data) | 23359.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 2.82 | 0 | 2.82 | 2.82 | 2.82 | (No Data) | (No Data) | (No Data) | 89325.47 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |
| 152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.0250 | No | No | 3.317 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.58 | 48.07 | 47.58 | 48.07 | 48.07 | 48.07 | No | No | (No Data) | 2424.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| 153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.0521 | Yes | Yes | 1.922 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.55 | 37.55 | 37.55 | 37.55 | 37.55 | 37.55 | No | No | (No Data) | 19818.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 12 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6761 | Yes | Yes | 1.811 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.69 | 17.69 | 17.69 | 17.69 | 17.69 | 17.69 | No | No | (No Data) | 60432.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 155 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.4897 | Yes | Yes | 3.524 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.05 | 35.05 | 35.05 | 35.05 | 35.05 | 35.05 | No | No | (No Data) | 11898.67 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 157 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3561 | Yes | Yes | 3.471 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.79 | 42.79 | 42.79 | 42.79 | 42.79 | 42.79 | No | No | (No Data) | 6308.77 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) |
| 158 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.9103 | Yes | Yes | 3.186 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.15 | 28.91 | 35.15 | 28.91 | 28.91 | 28.91 | No | No | (No Data) | 12347 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 11 months; | (No Data) | (No Data) | (No Data) |
| 159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0370 | Yes | Yes | 1.232 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.84 | 37.85 | 38.84 | 37.85 | 37.85 | 37.85 | No | No | (No Data) | 13239.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) |
| 160 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.32 | 0 | 47.32 | 47.32 | 47.32 | (No Data) | (No Data) | (No Data) | 15369.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 33.78 | 0 | 33.78 | 33.78 | 33.78 | (No Data) | (No Data) | (No Data) | 14519.02 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.3376 | Yes | Yes | 2.967 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.59 | 31.59 | 31.59 | 31.59 | 31.59 | 31.59 | No | No | (No Data) | 62029.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2573 | Yes | Yes | 0.912 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.06 | 24.06 | 24.06 | 24.06 | 24.06 | 24.06 | No | No | (No Data) | 98494.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.9842 | Yes | No | 7.486 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 28.28 | 0 | 28.28 | 28.28 | 28.28 | (No Data) | (No Data) | (No Data) | 21042.52 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11985.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 9700.00 | 0.8092 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2662.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2420.00 | No | (No Data) | 0.9087 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.0001 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 43.52 | 0 | 43.52 | 43.52 | 43.52 | (No Data) | (No Data) | (No Data) | 56614.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8977.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 11200.00 | No | (No Data) | 1.2475 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 169 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7148.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6800.00 | No | (No Data) | 0.9512 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1225.96 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.4682 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6967.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1044.53 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1400.00 | 1.3403 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2509.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3175.00 | No | (No Data) | 1.2652 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1671.59 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1600.00 | 0.9572 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2244.76 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.0468 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2498.19 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.8005 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1637.81 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.0379 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 178 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -895.19 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 950.00 | 1.0612 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) |
| 179 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9991 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2496.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2600.00 | 1.0415 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3856.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.0373 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 181 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3872.94 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 0.8004 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 182 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1426.38 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1725.00 | No | (No Data) | 1.2093 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 183 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3195.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 0.9076 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 184 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4334.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6400.00 | No | (No Data) | 1.4766 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 185 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4534.44 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 4250.00 | 0.9372 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5888.78 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 8485.00 | 1.4410 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1899.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 0.8950 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 189 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2424.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 1.0106 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 190 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1884.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.1674 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2600.09 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 192 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7499 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2212.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1301 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 193 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1518.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1350.00 | No | (No Data) | 0.8889 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 194 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2308.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2475.00 | No | (No Data) | 1.0720 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 195 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2221.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.3953 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 196 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5480.15 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 6700.00 | 1.2225 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 197 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4113.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 0.9480 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 198 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1847.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1895.00 | No | (No Data) | 1.0255 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 199 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3991.17 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4272.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4900.00 | No | (No Data) | 1.1467 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 201 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4603.14 | No | (No Data) | No | (No Data) | No | Yes | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 1.0427 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; |
| 202 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1069.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.8234 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 203 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1644.49 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.2161 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2326.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2582.54 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.0455 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4075.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4600.00 | No | (No Data) | 1.1287 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 207 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1800.7 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 0.9996 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1287.21 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1500.00 | 1.1653 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 209 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1161.17 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1475.00 | No | (No Data) | 1.2702 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8110.47 | No | (No Data) | No | (No Data) | No | No | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 14600.00 | No | (No Data) | 1.5833 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1930.74 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.2948 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 212 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11836.74 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 14000.00 | No | (No Data) | 1.1827 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 213 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6623.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6800.00 | No | (No Data) | 1.0266 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 214 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1284.95 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.3619 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 215 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3113.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.0597 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 216 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8607.71 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 10000.00 | No | (No Data) | 1.1617 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 217 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2633.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.9494 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4440.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 219 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 8.83 | 0 | 8.83 | 8.83 | 8.83 | (No Data) | (No Data) | (No Data) | 52116.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 220 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1913.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 0.9928 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 221 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2043.6 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 0.8807 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 45.01 | 0 | 45.01 | 45.01 | 45.01 | (No Data) | (No Data) | (No Data) | 15507.76 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 223 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2509.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.0359 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4409.04 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 0.8618 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2753.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3025.00 | No | (No Data) | 1.0984 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 226 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5103.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1684.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.1575 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7073 | No | No | 1.999 | 1.999 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.71 | 43.71 | 43.71 | 43.71 | 43.71 | 43.71 | Yes | Yes | Yes | 25706.7 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2249.23 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 1.0003 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | 3 Family | 3 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6063 | No | No | 1.068 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.45 | 47.59 | 45.45 | 47.59 | 47.59 | 47.59 | Yes | Yes | Yes | 19400.88 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 56 months;<br> Personal Bank Statements - 12 months; | CPA Letter - 56 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2506.39 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.9970 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.6262 | Yes | Yes | 3.206 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.82 | 32.82 | 32.82 | 32.82 | 32.82 | 32.82 | Yes | Yes | Yes | 11751.4 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 240 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6721 | No | No | 2.615 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.17 | 48.17 | 48.17 | 48.17 | 48.17 | 48.17 | Yes | Yes | Yes | 6380.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter - 108 months; | (No Data) | (No Data) | (No Data) |
| 234 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.6727 | Yes | Yes | 3.382 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.08 | 17.12 | 17.08 | 17.12 | 17.12 | 17.12 | Yes | Yes | Yes | 18991.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.2200 | Yes | Yes | 4.087 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.53 | 23.53 | 23.53 | 23.53 | 23.53 | 23.53 | Yes | Yes | Yes | 11977.7 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3685 | Yes | Yes | 2.45 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.83 | 9.93 | 11.83 | 9.93 | 9.93 | 9.93 | Yes | Yes | Yes | 252133.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.6433 | Yes | Yes | 3.797 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.54 | 36.54 | 36.54 | 36.54 | 36.54 | 36.54 | Yes | Yes | Yes | 4235.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 60 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5161 | Yes | No | 2.296 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.65 | 19.95 | 0 | 19.95 | 19.95 | 19.95 | Yes | Yes | Yes | 147459.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.8243 | Yes | Yes | 4.184 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.36 | 41.36 | 41.36 | 41.36 | 41.36 | 41.36 | Yes | Yes | Yes | 3361.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> Award Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 240 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.8740 | Yes | Yes | 3.157 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.2 | 40.1 | 40.2 | 40.1 | 40.1 | 40.1 | Yes | Yes | Yes | 6115.75 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 241 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5698 | Yes | No | 1.638 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.81 | 25.81 | 0 | 25.81 | 25.81 | 25.81 | Yes | Yes | Yes | 48333.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 242 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3958 | No | Yes | 4.321 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -3001.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.1194 | Yes | Yes | 3.573 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42 | 42.68 | 42 | 42.68 | 42.68 | 42.68 | Yes | Yes | Yes | 4779.59 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 244 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6473 | Yes | Yes | 3.045 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.75 | 41.24 | 42.75 | 41.24 | 41.24 | 41.24 | Yes | Yes | Yes | 3396.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 481 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 481 months; | (No Data) | (No Data) | (No Data) |
| 245 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9240 | Yes | Yes | 2.536 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.94 | 20.61 | 25.94 | 20.61 | 20.61 | 20.61 | Yes | Yes | Yes | 40923.42 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 96 months; | Business Bank Statements - 12 months;<br> CPA Letter - 96 months; | (No Data) | (No Data) |
| 246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0270 | No | Yes | 2.872 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -9627.48 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months; | Personal Bank Statements - 2 months; | (No Data) | (No Data) |
| 247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.9509 | No | No | 2.455 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.44 | 45.21 | 45.44 | 45.21 | 45.21 | 45.21 | Yes | Yes | Yes | 10476.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8928 | Yes | Yes | 0.884 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.57 | 28.99 | 24.57 | 28.99 | 28.99 | 28.99 | Yes | Yes | Yes | 50599.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter - 124 months; | (No Data) | (No Data) | (No Data) |
| 249 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1058 | No | No | 1.043 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.81 | 46.93 | 48.81 | 46.93 | 46.93 | 46.93 | Yes | Yes | Yes | 8356.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 271 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 271 months; | (No Data) | (No Data) | (No Data) |
| 250 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5380 | No | No | 2.166 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.38 | 47.95 | 0 | 47.95 | 47.95 | 47.95 | Yes | Yes | Yes | 25750.14 | No | (No Data) | No | (No Data) | No | No | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months; | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 12 months; | (No Data) |
| 251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5372 | Yes | No | 2.849 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.55 | 41.55 | 0 | 41.55 | 41.55 | 41.55 | Yes | Yes | Yes | 12192.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 25 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.2434 | No | No | 3.112 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.94 | 46.75 | 0 | 46.75 | 46.75 | 46.75 | Yes | Yes | Yes | 2933.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5094 | Yes | No | 2.42 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.06 | 27.42 | 0 | 28.75 | 26.19 | 26.19 | Yes | Yes | Yes | 12813.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 255 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0949 | No | No | 2.944 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.96 | 49.96 | 49.96 | 49.96 | 49.96 | 49.96 | Yes | Yes | Yes | 3336.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 33 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months; | (No Data) | (No Data) | (No Data) |
| 256 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4978 | Yes | Yes | 1.241 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.75 | 24.75 | 24.75 | 24.75 | 24.75 | 24.75 | Yes | Yes | Yes | 41203.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L Only - 14 months; | (No Data) | (No Data) | (No Data) |
| 257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7422 | No | No | 1.881 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.41 | 44.42 | 0 | 44.42 | 44.42 | 44.42 | Yes | Yes | Yes | 6508.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4566 | Yes | Yes | 1.584 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.46 | 23.77 | 25.46 | 23.77 | 23.77 | 23.77 | Yes | Yes | Yes | 41110.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 259 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9903 | No | Yes | 1.865 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.04 | 45.45 | 28.04 | 45.45 | 45.45 | 45.45 | Yes | Yes | Yes | 6091.47 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 72 months; | (No Data) | (No Data) | (No Data) |
| 260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7830 | Yes | Yes | 2.729 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.78 | 34.94 | 34.78 | 34.94 | 34.94 | 34.94 | Yes | Yes | Yes | 45504.63 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2366 | No | No | 1.076 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -30580.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2607 | No | No | 1.259 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.62 | 46.46 | 0 | 46.46 | 46.46 | 46.46 | Yes | Yes | Yes | 261857.81 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 348 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 348 months; | (No Data) | (No Data) | (No Data) |
| 263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2949 | Yes | No | 2.605 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.86 | 37.03 | 0 | 37.03 | 37.03 | 37.03 | Yes | Yes | Yes | 4935.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 264 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3055 | Yes | No | 2.902 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.53 | 35.53 | 0 | 35.53 | 35.53 | 35.53 | Yes | Yes | Yes | 59000.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 30 months; | (No Data) | (No Data) | (No Data) |
| 265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.6443 | No | No | 3.592 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.94 | 48.74 | 0 | 48.74 | 48.74 | 48.74 | Yes | Yes | Yes | 5751.5 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 36 months;<br> W2 - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 84 months; | (No Data) | (No Data) |
| 266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.5602 | No | No | 3.886 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.58 | 46.58 | 46.58 | 46.58 | 46.58 | 46.58 | Yes | Yes | Yes | 4861.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter - 60 months; | (No Data) | (No Data) | (No Data) |
| 267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8951 | Yes | Yes | 1.374 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.77 | 38.73 | 42.77 | 38.73 | 38.73 | 38.73 | Yes | Yes | Yes | 33833.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.4630 | Yes | Yes | 4.561 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.78 | 37.48 | 37.78 | 37.48 | 37.48 | 37.48 | Yes | Yes | Yes | 13216.56 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 132 months; | (No Data) | (No Data) | (No Data) |
| 269 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5655 | No | No | 2.062 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -9622.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 270 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.3192 | Yes | No | 3.459 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.9 | 42.9 | 0 | 42.9 | 42.9 | 42.9 | Yes | Yes | Yes | 9516.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| 271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6940 | Yes | Yes | 1.682 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.41 | 41.41 | 41.41 | 41.41 | 41.41 | 41.41 | Yes | Yes | Yes | 45499.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter - 48 months; | (No Data) | (No Data) | (No Data) |
| 272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2260 | No | No | 2.281 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -6849.16 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8990 | Yes | Yes | 3.398 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.06 | 31.95 | 29.06 | 31.95 | 31.95 | 31.95 | Yes | Yes | Yes | 8883.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 96 months;<br> P & L - 13 months; | (No Data) | (No Data) | (No Data) |
| 274 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1959 | No | No | 0.568 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -35563.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4500 | No | No | 2.117 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.75 | 43.75 | 43.75 | 43.75 | 43.75 | 43.75 | Yes | Yes | Yes | 7031.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.5927 | No | No | 3.039 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.42 | 48.06 | 0 | 48.06 | 48.06 | 48.06 | Yes | Yes | Yes | 4761.14 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 264 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 264 months;<br> W2 - 12 months; | Award Letter - 12 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) |
| 278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7317 | Yes | Yes | 2.803 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.36 | 31.85 | 30.36 | 31.85 | 31.85 | 31.85 | Yes | Yes | Yes | 12602.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 120 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 279 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6335 | No | No | 1.315 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.46 | 47.76 | 49.46 | 47.76 | 47.76 | 47.76 | Yes | Yes | Yes | 8607.77 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2353 | No | No | 1.069 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11223.78 | No | (No Data) | No | (No Data) | No | No | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 12700 | No | (No Data) | 1.3772 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2942 | No | No | 5.204 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7311.36 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 9100 | No | (No Data) | 1.2446 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2044 | No | No | 5.445 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6053.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7500 | No | (No Data) | 1.7233 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6308 | No | No | 1.017 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2299.28 | No | (No Data) | No | (No Data) | No | Yes | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600 | No | (No Data) | 1.1942 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.0182 | Yes | No | 5.649 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.82 | 0 | 32.82 | 32.82 | 32.82 | (No Data) | (No Data) | (No Data) | 65757.84 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 286 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9888 | No | No | 2.18 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1028.21 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600 | No | (No Data) | 1.5561 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7922 | No | No | 6.664 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1871.18 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200 | No | (No Data) | 1.7333 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1090 | Yes | No | 8.324 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 30.42 | 0 | 30.42 | 30.42 | 30.42 | (No Data) | (No Data) | (No Data) | 28974.96 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 289 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7605 | No | No | 2.963 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2464.85 | No | (No Data) | No | (No Data) | No | No | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1372 | 1.1629 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.5030 | No | No | 5.546 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4304.05 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 6000 | 1.4598 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.5525 | Yes | No | 3.999 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 42.88 | 0 | 42.88 | 42.88 | 42.88 | No | Yes | Yes | 6825.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L Only - 12 months; | (No Data) | (No Data) | (No Data) |
| 292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1115 | Yes | No | 2.211 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 41.05 | 0 | 41.05 | 41.05 | 41.05 | Yes | Yes | Yes | 9504.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 12 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 12 mos interest of amt prepd in 12 mos if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1521 | Yes | No | 5.717 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 34.11 | 0 | 34.11 | 34.11 | 34.11 | (No Data) | (No Data) | (No Data) | 47582.96 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | 3 Family | 3 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9464 | Yes | No | 3.039 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.67 | 19.03 | 0 | 19.03 | 19.03 | 19.03 | Yes | Yes | Yes | 21090.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months; | (No Data) | (No Data) | (No Data) |
| 295 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1095 | No | No | 5.766 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.08 | 0 | 49.08 | 49.08 | 49.08 | (No Data) | (No Data) | (No Data) | 13346.02 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | P & L - 12 months; | (No Data) | (No Data) |
| 296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7207 | Yes | No | 3.455 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.46 | 0 | 32.46 | 32.46 | 32.46 | (No Data) | (No Data) | (No Data) | 15012.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> Paystub - 24 months; | (No Data) | (No Data) | (No Data) |
| 297 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0586 | No | No | 4.336 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8892.79 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000 | No | (No Data) | 0.9437 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.2877 | No | No | 3.448 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.99 | 49.67 | 48.99 | 49.67 | 49.67 | 49.67 | Yes | Yes | Yes | 13684.36 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 299 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2737 | No | No | 2.771 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1644.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3150 | No | (No Data) | 1.9150 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 300 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6526 | Yes | Yes | 3.85 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.41 | 30.41 | 30.41 | 30.41 | 30.41 | 30.41 | Yes | Yes | Yes | 31056.83 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months; | (No Data) | (No Data) |
| 301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0660 | Yes | No | 1.689 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 23.3 | 0 | 23.3 | 23.3 | 23.3 | (No Data) | (No Data) | (No Data) | 16322.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 302 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.4844 | Yes | Yes | 3.105 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.35 | 28.32 | 27.35 | 28.32 | 28.32 | 28.32 | Yes | Yes | Yes | 20876.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 303 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1793 | Yes | Yes | 2.232 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.91 | 23.91 | 23.91 | 23.91 | 23.91 | 23.91 | No | Yes | Yes | 11413.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 304 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5695 | No | No | 1.735 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.96 | 49.96 | 49.96 | 49.96 | 49.96 | 49.96 | No | Yes | Yes | 11818.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L Only - 12 months; | (No Data) | (No Data) | (No Data) |
| 305 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2350 | No | No | 7.498 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4001.91 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200 | No | (No Data) | 1.3090 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9391 | No | No | 2.46 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7612.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1450 | No | (No Data) | 1.2533 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 307 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 8.2008 | Yes | No | 1.859 | (No Data) | No | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.37 | 0 | 40.37 | 40.37 | 40.37 | (No Data) | (No Data) | (No Data) | 8386.69 | No | (No Data) | No | (No Data) | No | No | No | No | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months; | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0483 | No | No | 1.686 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.76 | 0 | 48.76 | 48.76 | 48.76 | (No Data) | (No Data) | (No Data) | 7279.11 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 309 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8793 | Yes | No | 2.863 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 6.25 | 0 | 6.25 | 6.25 | 6.25 | Yes | Yes | Yes | 49916.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 12 mos interest of amt prepd in 12 mos if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | 7.4735 | No | No | 8.237 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3239.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3050 | No | (No Data) | 1.0747 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6205 | Yes | Yes | 0.435 | 0.510 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.97 | 41.63 | 42.97 | 41.63 | 41.63 | 41.63 | No | Yes | Yes | 16111.26 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.2299 | Yes | Yes | 3.039 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.63 | 40.63 | 40.63 | 40.63 | 40.63 | 40.63 | Yes | Yes | Yes | 6629.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5949 | Yes | No | 0.948 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.24 | 0 | 41.24 | 41.24 | 41.24 | (No Data) | (No Data) | (No Data) | 13039.44 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8364 | Yes | Yes | 0.542 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.71 | 30.13 | 31.71 | 29.38 | 26.45 | 26.45 | No | Yes | Yes | 53714.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L Only - 22 months; | (No Data) | (No Data) | (No Data) |
| 316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9303 | Yes | Yes | 2.234 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Not Documented | 34.6 | 36.55 | 34.6 | 34.31 | 34.31 | 36.55 | Yes | Yes | Yes | 36005.88 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6187 | No | No | 1.142 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.13 | 48.13 | 48.13 | 48.13 | 48.13 | 48.13 | Yes | Yes | Yes | 11002.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 12 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 318 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9889 | Yes | Yes | 2.305 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.02 | 38.08 | 34.02 | 38.08 | 38.08 | 38.08 | No | Yes | Yes | 8678.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 319 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6214 | No | No | 5.805 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7322.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 4500 | No | (No Data) | 1.7959 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5627 | No | No | 1.707 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.89 | 0 | 44.89 | 44.89 | 44.89 | (No Data) | (No Data) | (No Data) | 6106.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0088 | No | Yes | 1.213 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.44 | 43.07 | 42.44 | 43.07 | 43.07 | 43.07 | No | No | (No Data) | 31964.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3805 | Yes | Yes | 1.89 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.2 | 33.15 | 23.2 | 33.15 | 33.15 | 33.15 | Yes | Yes | Yes | 20121.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8883 | Yes | No | 2.521 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.33 | 42.14 | 43.33 | 42.14 | 42.14 | 42.14 | No | Yes | Yes | 8345.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7274 | No | No | 7.322 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -30211.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000 | No | (No Data) | 1.0772 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4134 | No | No | 2.722 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.99 | 44.99 | 44.99 | 44.99 | 44.99 | 44.99 | Yes | Yes | Yes | 9386.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7136 | No | No | 7.154 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2244.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2575 | No | (No Data) | 1.1473 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1689 | Yes | Yes | 0.215 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.28 | 29.04 | 30.28 | 29.04 | 29.04 | 29.04 | Yes | Yes | Yes | 26320.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter - 24 months; | (No Data) | (No Data) | (No Data) |
| 331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.6384 | Yes | No | 3.853 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.11 | 42.88 | 43.11 | 42.88 | 42.88 | 42.88 | Yes | Yes | Yes | 11146.12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 332 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5664 | No | No | 8.252 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7807.69 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300 | No | (No Data) | 1.0599 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4738 | No | No | 3.188 | 0.426 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.99 | 44.99 | 44.99 | 44.99 | 44.99 | 44.99 | Yes | Yes | Yes | 6353.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6355 | No | No | 6.029 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2863.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3860 | No | (No Data) | 1.3481 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9375 | Yes | No | 2.553 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 33.23 | 0 | 33.23 | 33.23 | 33.23 | (No Data) | (No Data) | (No Data) | 16602.68 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9953 | No | No | 5.794 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3865.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800 | No | (No Data) | 1.1543 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4272 | Yes | Yes | 0.333 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.05 | 40.62 | 41.05 | 40.62 | 40.62 | 40.62 | Yes | Yes | Yes | 8833.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 24 months; | (No Data) | (No Data) | (No Data) |
| 338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3964 | No | No | 0.139 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.68 | 49.17 | 47.68 | 49.17 | 49.16 | 49.16 | No | Yes | Yes | 20566.57 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 339 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.7006 | No | No | 9.686 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13582.06 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000 | No | (No Data) | 1.0346 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5760 | No | No | 1.44 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.57 | 49.57 | 49.57 | 49.57 | 49.57 | 49.57 | Yes | Yes | Yes | 7963.84 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 341 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.4555 | No | No | 12.552 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8361.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2000 | No | (No Data) | 1.1957 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6276 | No | No | 1.974 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.5 | 0 | 49.5 | 49.5 | 49.5 | (No Data) | (No Data) | (No Data) | 3026.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8166 | Yes | Yes | 1.362 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.29 | 40.29 | 40.29 | 40.29 | 40.29 | 40.29 | No | Yes | Yes | 81869.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L Only - 12 months; | (No Data) | (No Data) | (No Data) |
| 344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0322 | Yes | No | 5.476 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 18.72 | 0 | 18.72 | 18.72 | 18.72 | (No Data) | (No Data) | (No Data) | 149030.2 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2266 | No | No | 8.967 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3568.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 1350 | No | (No Data) | 1.3274 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5282 | No | No | 2.891 | 0.510 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.35 | 45.19 | 47.35 | 45.19 | 45.19 | 45.19 | Yes | Yes | Yes | 5375.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 10 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9213 | No | No | 1.319 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.86 | 48.73 | 48.86 | 48.73 | 48.72 | 48.73 | Yes | Yes | Yes | 7675.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 12 months; | (No Data) | (No Data) | (No Data) |
| 348 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1333 | Yes | Yes | 2.274 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.73 | 13.06 | 9.43 | 13.06 | 13.06 | 13.06 | No | Yes | Yes | 215368.22 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8228 | Yes | No | 1.905 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.35 | 42.53 | 43.35 | 42.53 | 42.53 | 42.53 | No | Yes | Yes | 2354.53 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months; | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7633 | Yes | No | 2.053 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 30.36 | 0 | 30.36 | 30.36 | 30.36 | (No Data) | (No Data) | (No Data) | 3907.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.3

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2025-NQM6** |
| **Start - End Dates:** | **4/2/2024 - 4/1/2025** |
| **Deal Loan Count:** | **213** |
| **Rating Agency ATR QM** | **Data Fields** |
|  ***Loans in Report:*** | *213* |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 123 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3446.29 | XXXXXX | 8.6776 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 124 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18484 | XXXXXX | 7.9695 | Employed | Employed | Non-Permanent Resident Alien | Non-Resident Alien | (No Data) | No | XXXXXX |
| 126 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 127 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9194 | XXXXXX | 8.197 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 128 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 8844 | XXXXXX | 8.8241 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 129 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6244 | XXXXXX | 9.9729 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 130 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 13694 | XXXXXX | 7.9404 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 132 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 133 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 10778.38 | XXXXXX | 8.9339 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 134 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 8557.75 | XXXXXX | 8.2351 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 135 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 20589 | XXXXXX | 8.0004 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 136 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 25718 | XXXXXX | 8.0344 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 137 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12974 | XXXXXX | 8.451 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 138 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 139 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15489.31 | XXXXXX | 9.1404 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 140 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14800.5 | XXXXXX | 7.4519 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 141 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5338.38 | XXXXXX | 9.1059 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 142 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6051 | XXXXXX | 7.4582 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 143 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8394.13 | XXXXXX | 8.4031 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 148 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 16044 | XXXXXX | 7.6457 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXXX |
| 149 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11607.75 | XXXXXX | 9.7704 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 150 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 151 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 152 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7881.5 | XXXXXX | 9.025 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 153 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 21381.5 | XXXXXX | 9.0521 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 154 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 17944 | XXXXXX | 7.6761 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 155 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8981.5 | XXXXXX | 7.4897 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 157 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16954 | XXXXXX | 7.3561 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 158 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3522.12 | XXXXXX | 9.9103 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 159 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9824 | XXXXXX | 7.037 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 160 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 161 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 162 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 41269.25 | XXXXXX | 9.3376 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 163 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 16344 | XXXXXX | 8.2573 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 164 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.9842 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 165 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 166 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 167 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 168 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 169 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 170 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 171 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 172 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.5 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 173 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 174 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 175 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 176 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX |
| 177 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 178 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 179 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 180 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 181 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.125 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 182 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 183 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 184 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 185 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 186 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 187 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 189 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX |
| 190 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 191 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 192 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.7499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 193 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 194 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 195 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 196 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 197 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 198 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 199 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 200 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 201 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 202 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 203 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 204 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 205 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX |
| 206 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 207 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 208 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 209 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXXX |
| 210 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 211 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 212 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 213 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 214 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 215 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 216 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 217 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.999 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 218 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 219 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 220 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 221 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 222 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 223 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 224 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 225 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 226 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 227 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 228 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 32723 | XXXXXX | 7.7073 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 229 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 230 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15785 | XXXXXX | 6.6063 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 231 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 232 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15100 | XXXXXX | 8.6262 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 233 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11380 | XXXXXX | 8.6721 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 234 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4589 | XXXXXX | 8.6727 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 235 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8078.13 | XXXXXX | 9.22 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 236 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 50312.5 | XXXXXX | 8.3685 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 237 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8717.5 | XXXXXX | 8.6433 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 238 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16995 | XXXXXX | 8.5161 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 239 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4930 | XXXXXX | 8.8243 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 240 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9929.75 | XXXXXX | 8.874 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 241 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 27250 | XXXXXX | 8.5698 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 242 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5100 | XXXXXX | 7.3958 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 243 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7937.5 | XXXXXX | 9.1194 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 244 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3849 | XXXXXX | 8.6473 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | XXXXXX |
| 245 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17747.5 | XXXXXX | 8.924 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 246 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 30640 | XXXXXX | 7.027 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 247 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9750 | XXXXXX | 8.9509 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 248 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12750 | XXXXXX | 8.8928 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 249 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9045 | XXXXXX | 7.1058 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 250 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 25759 | XXXXXX | 7.538 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 251 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 24000 | XXXXXX | 7.5372 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 253 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5250 | XXXXXX | 7.2434 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 254 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8500 | XXXXXX | 7.5094 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 255 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6089.16 | XXXXXX | 7.0949 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 256 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16890 | XXXXXX | 7.4978 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 257 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9793.75 | XXXXXX | 7.7422 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 258 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12891.25 | XXXXXX | 8.4566 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 259 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8400 | XXXXXX | 7.9903 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 260 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 32150 | XXXXXX | 6.783 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 261 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 31375 | XXXXXX | 7.2366 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 262 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 46110 | XXXXXX | 8.2607 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 263 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8697 | XXXXXX | 8.2949 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 264 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 86450 | XXXXXX | 8.3055 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 265 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13510 | XXXXXX | 8.6443 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 266 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6287.5 | XXXXXX | 10.5602 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 267 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 24275 | XXXXXX | 7.8951 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 268 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12040 | XXXXXX | 8.463 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 269 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12452.99 | XXXXXX | 7.5655 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 270 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17815 | XXXXXX | 9.3192 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 271 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20312.5 | XXXXXX | 7.694 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 272 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17750 | XXXXXX | 7.226 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 273 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11375 | XXXXXX | 7.899 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 274 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 25095 | XXXXXX | 7.1959 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 275 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10675 | XXXXXX | 7.45 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 276 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10497.5 | XXXXXX | 7.5927 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 278 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10250 | XXXXXX | 7.7317 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 279 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7710 | XXXXXX | 7.6335 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | XXXXXX |
| 281 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2353 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 282 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2942 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 283 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2044 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 284 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6308 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 285 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0182 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 286 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9888 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 287 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7922 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 288 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.109 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 289 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.7605 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 290 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.503 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 291 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 23733.7 | XXXXXX | 7.5525 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 292 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12530 | XXXXXX | 8.1115 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 293 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1521 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 294 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13525.2 | XXXXXX | 7.9464 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 295 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1095 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 296 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.7207 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 297 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.0586 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 298 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9515 | XXXXXX | 8.2877 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 299 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.2737 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 300 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | Yes | No | 21469.16 | XXXXXX | 7.6526 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 301 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 8.066 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 302 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 28780.6 | XXXXXX | 8.4844 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 303 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7386.53 | XXXXXX | 8.1793 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 304 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 17715 | XXXXXX | 7.5695 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 305 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.235 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 306 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9391 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 307 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 8.2008 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 308 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0483 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 309 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6820 | XXXXXX | 7.8793 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 310 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.4735 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 312 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1849 | XXXXXX | 7.6205 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 313 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10968.44 | XXXXXX | 8.2299 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 314 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5949 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 315 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9035 | XXXXXX | 8.8364 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 316 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 15348 | XXXXXX | 7.9303 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 317 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 13495 | XXXXXX | 7.6187 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 318 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6821.56 | XXXXXX | 7.9889 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 319 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.6214 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 320 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.5627 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 321 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16997.5 | XXXXXX | 8.0088 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 322 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8555 | XXXXXX | 7.3805 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 323 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13995 | XXXXXX | 7.8883 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 324 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7274 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 328 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 7112.8 | XXXXXX | 7.4134 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 329 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7136 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXXX |
| 330 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2194 | XXXXXX | 8.1689 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 331 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16872.48 | XXXXXX | 7.6384 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 332 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5664 | Unemployed | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 333 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 15312 | XXXXXX | 7.4738 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXXXX |
| 334 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6355 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 335 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.9375 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | XXXXXX |
| 336 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9953 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 337 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | 7.4272 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 338 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 1995 | XXXXXX | 7.3964 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 339 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7006 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 340 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | Yes | No | 5915 | XXXXXX | 7.576 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXXX |
| 341 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.4555 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 342 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.6276 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 343 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 40094 | XXXXXX | 7.8166 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXXX |
| 344 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.0322 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXXX |
| 345 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.2266 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |
| 346 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 7507 | XXXXXX | 8.5282 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 347 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9485 | XXXXXX | 7.9213 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXXX |
| 348 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 48540 | XXXXXX | 8.1333 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 349 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3805.41 | XXXXXX | 7.8228 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXXX |
| 350 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.7633 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXXX |

---

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## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | BRAVO 2025-NQM6 |
| **Start - End Dates:** | 4/2/2024 - 4/1/2025 |
| **Deal Loan Count:** | 213 |
| **Valuations Summary** |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans in Report:* | *213* | *213* |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 123 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -3.94% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 141 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 148 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 150 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 8.48% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 8.48% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 155 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 157 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 158 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 160 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 169 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -3.59% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 178 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 179 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 181 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 182 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 183 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 184 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 185 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 189 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 190 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 192 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 193 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 194 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 195 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 196 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -17.53% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 197 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 198 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 199 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 201 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 202 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 203 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 207 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 209 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 212 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 213 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 214 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 215 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 216 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 217 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 219 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 220 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 221 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 223 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 225 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 226 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.24% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 234 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 6.80% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 6.80% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 240 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 241 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 242 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 244 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -10.63% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 245 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -3.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 249 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 250 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 255 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 256 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -7.14% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 258 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 259 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1.27% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -5.06% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 10.34% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 264 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 15.91% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 269 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 270 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 274 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1.33% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 279 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -1.34% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 5.82% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 286 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -9.68% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 289 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -12.63% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 295 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 297 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 299 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 300 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 302 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 303 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 304 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 305 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 307 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 309 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 318 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 319 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 332 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2.51% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -9.55% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | 2.51% | (No Data) |
| 335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 339 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 341 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 7.04% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 348 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.91% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

---

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2025-NQM6** |
| **Start - End Dates:** | **4/2/2024 - 4/1/2025** |
| **Deal Loan Count:** | **213** |

---

**Waived Conditions Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 1 |
| Credit | Terms/Guidelines | CRDTER127 | Payment shock does not meet guidelines | 2 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 2 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 5 |
| Credit | Terms/Guidelines | CRDTER4643 | Borrower does not meet guideline requirements | 2 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 2 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 3 |
| Credit | DTI | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 7 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | 7 |
| Credit | LTV/CLTV | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | 1 |
| Credit | Title | CRDTIL100 | Potential title issue | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 2 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 1 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 1 |
| Credit | Insurance | CRDINSR5351 | Insurance Effective date is greater than the transaction date | 1 |
| Credit | Assets | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | 2 |
| Property Valuations | FEMA | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | 1 |
| Property Valuations | FEMA | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | 2 |
| Property Valuations | Appraisal | PRVAAPPR5344 | Alternate Valuation product used. | 1 |
| **Total** |  |  |  | **48** |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | BRAVO 2025-NQM6 |
| **Start - End Dates:** | 4/2/2024 - 4/1/2025 |
| **Deal Loan Count:** | 213 |

---

**Loan Level Tape Compare Upload**

*Loans in Report* *213*

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 123 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 123 | XXXXXX | Months Reserves | 54.00 | 1.63 |
| 124 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 124 | XXXXXX | Months Reserves | 6.00 | 25.35 |
| 126 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 127 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 127 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 127 | XXXXXX | Months Reserves | 9.00 | 0.32 |
| 132 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 134 | XXXXXX | DTI Qualifying (Back) | 49.3300 | 38.5100 |
| 135 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 135 | XXXXXX | Months Reserves | 6.00 | 11.20 |
| 139 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 143 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 149 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 150 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 150 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 150 | XXXXXX | Months Reserves | 36.00 | 28.93 |
| 153 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 153 | XXXXXX | Months Reserves | 1.00 | 5.57 |
| 154 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 154 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 154 | XXXXXX | Months Reserves | 49.00 | 9.17 |
| 158 | XXXXXX | DTI Qualifying (Back) | 35.1500 | 28.9100 |
| 159 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 159 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 159 | XXXXXX | Months Reserves | 102.00 | 106.99 |
| 163 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 164 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 167 | XXXXXX | Representative Credit Score for Grading | 718 | 719 |
| 177 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 178 | XXXXXX | Representative Credit Score for Grading | 767 | 758 |
| 179 | XXXXXX | Representative Credit Score for Grading | 743 | 759 |
| 185 | XXXXXX | Borrower DSCR Percent | 1.0480 | 0.9372 |
| 186 | XXXXXX | Borrower DSCR Percent | 1.6290 | 1.441 |
| 186 | XXXXXX | Number of Units | 3 | 2 |
| 196 | XXXXXX | Borrower DSCR Percent | 2.7830 | 1.2225 |
| 196 | XXXXXX | Representative Credit Score for Grading | 710 | 704 |
| 210 | XXXXXX | Borrower DSCR Percent | 1.8000 | 1.5833 |
| 219 | XXXXXX | Debt to Income Ratio (Back) | 19.1000 | 8.8308 |
| 219 | XXXXXX | Representative Credit Score for Grading | 700 | 716 |
| 221 | XXXXXX | Borrower DSCR Percent | 1.1250 | 0.8807 |
| 234 | XXXXXX | Representative Credit Score for Grading | 732 | 722 |
| 245 | XXXXXX | Debt to Income Ratio (Back) | 25.9000 | 20.6062 |
| 248 | XXXXXX | Debt to Income Ratio (Back) | 24.6000 | 28.9905 |
| 254 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 260 | XXXXXX | Representative Credit Score for Grading | 723 | 735 |
| 261 | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 261 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 261 | XXXXXX | Representative Credit Score for Grading | 725 | 729 |
| 267 | XXXXXX | Debt to Income Ratio (Back) | 42.8000 | 38.7282 |
| 281 | XXXXXX | Property Type | SFR | Low Rise Condo (1-4) |
| 282 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 283 | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| 284 | XXXXXX | Property Type | SFR | High Rise Condo (9+) |
| 286 | XXXXXX | Property Type | SFR | SFR-Attached |
| 287 | XXXXXX | Property Type | 2 Family | 3 Family |
| 288 | XXXXXX | Debt to Income Ratio (Back) | 26.2900 | 30.4155 |
| 289 | XXXXXX | Representative Credit Score for Grading | 789 | 778 |
| 290 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 291 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 292 | XXXXXX | Debt to Income Ratio (Back) | 37.6100 | 41.0473 |
| 292 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 293 | XXXXXX | Debt to Income Ratio (Back) | 37.7900 | 34.1148 |
| 293 | XXXXXX | Property Type | 2 Family | 4 Family |
| 293 | XXXXXX | Representative Credit Score for Grading | 794 | 786 |
| 294 | XXXXXX | Debt to Income Ratio (Back) | 27.2600 | 19.0273 |
| 294 | XXXXXX | Property Type | 2 Family | 3 Family |
| 294 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 295 | XXXXXX | Debt to Income Ratio (Back) | 42.4400 | 49.0767 |
| 297 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 298 | XXXXXX | Debt to Income Ratio (Back) | 38.0000 | 49.6652 |
| 298 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 298 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 300 | XXXXXX | Documentation Type | 24 Full Doc | 12 Full Doc |
| 301 | XXXXXX | Debt to Income Ratio (Back) | 29.1400 | 23.2968 |
| 302 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 302 | XXXXXX | Representative Credit Score for Grading | 719 | 732 |
| 303 | XXXXXX | Property Type | SFR | SFR-Attached |
| 303 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 304 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 308 | XXXXXX | Debt to Income Ratio (Back) | 44.0000 | 48.7611 |
| 308 | XXXXXX | Property Type | 2 Family | 3 Family |
| 309 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 310 | XXXXXX | Amortized Term | 240 | 360 |
| 313 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 314 | XXXXXX | Documentation Type | 24 Full Doc | 12 Full Doc |
| 314 | XXXXXX | Property Type | Detached PUD | SFR |
| 315 | XXXXXX | Debt to Income Ratio (Back) | 31.7100 | 26.4486 |
| 315 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 316 | XXXXXX | Amortized Term | 240 | 360 |
| 316 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 317 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 318 | XXXXXX | Debt to Income Ratio (Back) | 32.0000 | 38.0779 |
| 318 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 319 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 320 | XXXXXX | Documentation Type | 24 Full Doc | 12 Full Doc |
| 320 | XXXXXX | Property Type | 2 Family | 4 Family |
| 322 | XXXXXX | Debt to Income Ratio (Back) | 30.0000 | 33.1454 |
| 323 | XXXXXX | Property Type | Rowhouse | SFR |
| 323 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 328 | XXXXXX | Debt to Income Ratio (Back) | 30.3900 | 44.9902 |
| 331 | XXXXXX | Debt to Income Ratio (Back) | 39.5200 | 42.8808 |
| 331 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 332 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 332 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 332 | XXXXXX | Property Type | SFR | Detached PUD |
| 333 | XXXXXX | Note Rate | XXXXXX | XXXXXX |
| 334 | XXXXXX | Property Type | 2 Family | 3 Family |
| 335 | XXXXXX | Debt to Income Ratio (Back) | 42.3000 | 33.2296 |
| 337 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 338 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 340 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 340 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 342 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 343 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 348 | XXXXXX | Debt to Income Ratio (Back) | 9.8790 | 13.0641 |
| 348 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 348 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 348 | XXXXXX | Representative Credit Score for Grading | 710 | 722 |
| 349 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 350 | XXXXXX | Debt to Income Ratio (Back) | 40.0000 | 30.3638 |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.4

**Exhibit 99.4**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated mortgage loans acquired by Loan Funding Structure VI LLC through a bulk purchase. The review included a total of 51 newly originated residential mortgage loans, in connection with the securitization identified as BRAVO 2025-NQM6 (the "Securitization". The Review was conducted from December 2024 through May 2025 on mortgage loans originated between December 2024 and March 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM or ATR Validation / Review of 8 Key Underwriting Factors

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

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

● Validate subject loan monthly payment (PITI) and associated obligations

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

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

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

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
through third party resource of the subject properties most recent twelve (12) month sales history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
sufficient evidence in loan file, by reviewing the underwriter's decision to approve the loan based upon the borrows income, debt,
and credit history, to support borrower's willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
that Final 1003 is sufficiently completed

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm
Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
condominium questionnaire to verify all information is complete, prepared by an authorized representative, and address any red flags
that may deem condominium project ineligible

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;i. No t ice of Right to Cancel (Rescission)
Review

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (51 loans in total):

Twenty-four (24) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

Zero (0) loans had an AVM, zero (0) loans had a Secondary Appraisal, and twenty-eight (28) loans had a Desk Review. Consolidated Analytics has independent access to the Desk Reviews ordered by the Aggregator.

If a Secondary Appraisal or Desk Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product was completed. There were zero (0) instances of this.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the fifty-one (51) mortgage loans reviewed, seven (7) unique mortgage loans (13.73% by loan count) had a total of eleven (11) discrepancies across seven (7) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;27.27% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;18.18% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;2 | &nbsp;&nbsp;18.18% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;Lock Term (Days) | &nbsp;&nbsp;1 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of <br> Sample |
| Event Grade A | 31 | $13853600.00 | 60.78% |
| Event Grade B | 20 | $11470550.00 | 39.22% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 51 | $25324150.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 33 | 64.71% |
| Event Grade B | 18 | 35.29% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 51 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 50 | 98.04% |
| Event Grade B | 1 | 1.96% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 51 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 47 | 92.16% |
| Event Grade B | 4 | 7.84% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 51 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;24 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;12 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1-4 Family Rider is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing evidence of self employment | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Lease Agreements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing required ARM Rider | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Loan Agreement Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Potential Fraud Reflected on Fraud Report | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Maturity Date is not the first of the month | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Rent Loss Coverage Not Sufficient | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Certificate of Occupancy | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Missing explanation and supporting documentation for large deposit(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Potential Occupancy/Current Address Issues identified in the file | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Flood Insurance Policy Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Purchase Contract Expiration Date is prior to Note Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Borrower residency documentation not provided or issue with documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Title issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Missing Personal Guaranty | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Missing rent comparable schedule form 1007 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***109*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;4 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Loan program disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Rent Loss Coverage Not Sufficient | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***40*** |
| &nbsp;&nbsp; <br> Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;46 |
| &nbsp;&nbsp; <br> Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp; <br> Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br> Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br> Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br> Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Balloon Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br> Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br> Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***54*** |
| &nbsp;&nbsp; <br> Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br> Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;35 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;6 |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property |  | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property |  | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property |  | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property |  | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property |  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***48*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property has been listed for sale in the past 6 months | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
|  | &nbsp;&nbsp;not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

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

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## Exhibit 99.4

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Marketing ID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| XXXXX | XXXXX | 80001001 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 12/26/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001001 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 12/26/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001001 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 12/26/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001002 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | XXXXX | 80001002 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | XXXXX | 80001002 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | XXXXX | 80001003 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 02/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001003 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001003 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001004 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The credit report shows mortgages with XXX #XXX and XXX #XXX. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last twelve months. All reported mortgages on credit should be considered. Provide pay history through XX/XX/XXXX-XX/XX/XXXX, and list the corresponding properties on the loan application; schedule of real eState. Per GL XXX DETERMINING MORTGAGE RATING | Client provided documents in response. | 03/25/2025 | Borrower 1 Credit Report is not partially present.; Document Uploaded. | 03/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001004 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The subject is secured by a mortgage with XXX. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last twelve months. Provide the previous XXX months pay history. Per GL's XXX DETERMINING MORTGAGE RATING | Client provided documents in response. | 03/25/2025 | Housing History Meets Guideline Requirements; Document Uploaded. | 03/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001004 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. The Loan Application shows the borrower's primary residence at XXX. The mortgage / rental rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns and / or rents over the last twelve months. Provide most recent XXX month payment history through XXX-XXX. Per GL's XXX DETERMINING MORTGAGE / RENTAL RATING | Client provided documents in response. | 03/25/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. | 03/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001004 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide a desk review to support the appraised value | Client provided Field Review Report. | 02/28/2025 | Third party valuation product provided within tolerance.; Document Uploaded. | 03/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001004 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, and loan processor were not checked with the Exclusionary Lists. | Client provided attached document in response. | 03/20/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001004 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001005 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. Lender to provide the following REO documents: XXX - all PITIA docs for new XXX loan. XXX - HOA documents showing an annual or monthly figure. XXX - verification if property has an HOA or not. If so, provide HOA documents. | Client provided attached documentation in response. ; XXX Response: Uploading PITI for XXX (no HOA) , HOA dues for XXX and XXX for XXX showing no HOA. | 04/25/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. ; Please provide verification of HOA dues (or documentation to confirm no HOA dues) for property located at XXX (doc provided was for XXX). Thank you.; Document Uploaded. | 04/28/2025 | C B A |
| XXXXX | XXXXX | 80001005 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Borrower is vesting property out of current LLC and into a new one. Generally, an applicant that is added to title via quit claim must be on title for at minimum XXX days before applying for a refinance transaction with case-by-case exceptions for inheritance, divorce, etcetera. | XXX Response: Uploading XXX SOS filing for XXX, showing it is also owned by our borrower individually. Changing from one entity to another when each is XXX% owned by the same person causes no issue with guidelines | 04/01/2025 | Property Title Issue Resolved; Guides indicate an applicant that is added to title via quit claim deed must be on title for a minimum of XXX days, however, that guide is for new ownership/resale transfers, not name changes. The borrower has been on title for XXX+ days and meets the seasoning requirement. Condition cleared.; Document Uploaded. | 04/28/2025 | C B A |
| XXXXX | XXXXX | 80001005 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject is staged and void of any personal belongings. There is a lease in the file dated XX/XX/XXXX with a XXX deposit waved. $XXX was due XX/XX/XXXX. This lease was executed after the loan of XX/XX/XXXX. There is no verification in the file that the $XXX due on XX/XX/XXXX was received from the tenant and that the tenant moved in. Per lender GLs - XXX does not originate loans where the subject property(s) are vacant on refinances (cash out or rate & term). | XXX Response: Lending for over XXX years. The appraisal was dated XXX months prior so those pics would not be representative of a new borrower moving in nor exists any such requirement to provide further info. | 04/01/2025 | Property/Appraisal Meets Guidelines; | 04/28/2025 | C B A |
| XXXXX | XXXXX | 80001005 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender used XXX seperate businesses to qualify the borrower. Per lender GLs - On a case-by-case basis, XXX will consider accounts from multiple autonomous businesses owned by Borrower(s). | XXX Response: Uploading updated ULAW with comp factors. | 04/01/2025 | Lender Exception for multiple businesses approved by XXX.; Compensating factors include borrower s/e for XXX+ years, XXX% DTI, subject in C3 condition | 04/01/2025 | C B A |
| XXXXX | XXXXX | 80001005 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% Lender matrix max LTV for XXX FICO is XXX%. Lender exception with XXX compensating factors is required. | XXX Response: Uploading updated ULAW with comp factors. | 04/01/2025 | Lender Exception to XXX% approved by XXX.; Compensating factors include borrower s/e for XXX+ years, XXX% DTI, subject in C3 condition | 04/01/2025 | C B A |
| XXXXX | XXXXX | 80001005 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% Lender matrix max LTV for XXX FICO is XXX%. Lender exception with XXX compensating factors is required. | XXX Response: Uploading updated ULAW with comp factors. | 04/01/2025 | Lender Exception to XXX% approved by XXX.; Compensating factors include borrower s/e for XXX+ years, XXX% DTI, subject in C3 condition | 04/01/2025 | C B A |
| XXXXX | XXXXX | 80001005 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% Lender matrix max LTV for XXX FICO is XXX%. Lender exception with XXX compensating factors is required. | XXX Response: Uploading updated ULAW with comp factors. | 04/01/2025 | Lender Exception to XXX% approved by XXX.; Compensating factors include borrower s/e for XXX+ years, XXX% DTI, subject in C3 condition | 04/01/2025 | C B A |
| XXXXX | XXXXX | 80001005 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/27/2025 | C B A |
| XXXXX | XXXXX | 80001006 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report shows XXX #XXX with payments through XX/XX/XXXX. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last twelve months. Provide evidence of payments from XX/XX/XXXX through XX/XX/XXXX. Per XXX Determining Mortgage Rating | XXX Response: Uploading XXX rating. | 03/27/2025 | Housing History Meets Guideline Requirements; Document Uploaded. | 03/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | XXXXX | 80001006 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The ICE XXXX Report shows a private mortgage with XXX recorded XX/XX/XXXX, doc# XXX, for $XXX. Provide date the loan was released and paid in full with no other open liens. If subject lien was active within the previous XXX months payment history with bank Statements or cancelled checks are required. | XXX Response: Without any positive indicators (credit, DataVerify, title) that this lien was in effect within the last XXX months, guidelines do not require proving when title became clear. The lookback is XXX months and if nothing is on credit, DataVerify or title, then no further action is required per guidelines. | 03/27/2025 | Property Title Issue Resolved-Based on internal research, it has been confirmed that the private party mortgage was released more than XXX months prior. Condition cleared.; | 03/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | XXXXX | 80001006 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, underwriter and loan processor were not checked with Exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 03/27/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | XXXXX | 80001006 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE3653 | Credit | Missing letter of explanation | Provide signed and dated CPA letter on CPA Company letterhead to confirm XXX owner's names and percentage of ownership for any and all members, Verification for the CPA / Tax preparer's license verification, from municipal, State or federal licensing boards or proof of their business' existence | XXX Response: Uploading articles for XXX. | 03/27/2025 | Articles and Business Search confirm Borrower as the owner of XXX. Condition Cleared.; Document Uploaded. | 03/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | XXXXX | 80001006 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | A copy of the subject Mortgage from XXX, XXX and State of XXX. was recorded by XXX. XXX signed as witness. The Title Agent for the subject lien is XXX. Provide a letter to explain the relationship between XXX and XXX. | XXX Response: Analysis of an old closed loan with zero indicators of any FC activity is not required in guidelines and is outside the scope of the underwrite. | 03/28/2025 | Based on internal research, it has been determined that the private party mortgage was released more than XXX months prior. Condition cleared. | 03/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | XXXXX | 80001006 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | XXXXX | 80001006 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | XXXXX | 80001007 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. lender to provide final fraud report with all parties verified. | Client provided attached documentation in response. | 04/01/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/02/2025 | C A |
| XXXXX | XXXXX | 80001007 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/28/2025 | C A |
| XXXXX | XXXXX | 80001007 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/28/2025 | C A |
| XXXXX | XXXXX | 80001008 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/04/2025 | A |
| XXXXX | XXXXX | 80001008 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/04/2025 | A |
| XXXXX | XXXXX | 80001008 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/04/2025 | A |
| XXXXX | XXXXX | 80001009 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan application shows primary residence at XXX is owned by the borrower. The real eState owned report shows a mortgage with XXX from XX/XX/XXXX with $XXX loan amount. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns and / or rents over the last twelve months. Provide a mortgage history to be documented with twelve months cancelled checks (front and back) or, A VOM. Per GL's XXX Determining Mortgage Rating | XXX Response: There is no mortgage reflected on the XXX or credit so it is not being considered. Chasing XXXX information that is not attested to on the XXX or reflected on credit is beyond the scope for an underwrite of a Non-Qualified Mortgage and is not a requirement per guidelines due to these elements. | 04/03/2025 | DSCR loan; not required.; Housing History Meets Guideline Requirements; | 04/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001009 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Provide title supplement confirming proposed borrowers and covered loan amount along with mortgagee and covered loan amount. Provide evidence individual signing as seller on the contract is an authorized signer for selling trusts. | XXX Response: Uploading executed contract amendment and POA for trustee for both borrowers. Signor is specifically listed on title as the trustee, XXX accepts this at face value that she can sign the contract. | 04/03/2025 | Property Title Issue Resolved; Document Uploaded. | 04/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001009 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing Provide HOA Information Letter – verifying the following: Condominium project is not currently involved in any litigation; Total in the project; Total number of phases that are not complete; Percent of the units sold and conveyed to the unit owners; and Percent of the units owner occupied. Per GL's XXX | Client provided attached document in response. | 03/26/2025 | HOA Questionnaire Provided; Document Uploaded. | 04/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001009 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCRE7810 | Credit | Title issue | Provide Settlement Statement/HUD-XXX from closing agent for the purchase of leasehold (matching contract). Provide a confirmation of the full payoff for the fee transaction. | XXX Response: Uploading final title policy reflecting fee simple ownership. | 04/03/2025 | Client provided Final Title policy show Fee Simple Interest.; Document Uploaded. | 04/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001009 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Acknowledged | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Provide evidence of $XXX in rent loss coverage. | XXX Response: Uploading updated ULAW with comp factors. | 04/03/2025 | Client provided exception for short rent loss coverage, comp factors, XXX FICO, XXX% LTV, borrower has significant reserves to cover any shortfall in rent loss.; Document Uploaded. | 04/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001009 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001010 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Provide a complete original appraisal with interior/exterior photos of subject & comps, and XXX ordered through XXX approved XXX. Must show tenant occupied | Client provided attached document(s) in response. | 03/12/2025 | Appraisal is Present or is Waived; Document Uploaded. | 04/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001010 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraisal company, appraiser, and underwriter were not checked with Exclusionary Lists | Client provided attached documents in response. | 04/04/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001010 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCRE1728 | Credit | Missing rent comparable schedule form 1007 | Provide XXX comparable rent schedule. The appraisal and XXX must show the subject is currently rented. Vacant investment properties are not eligible for a refinance transaction. |  |  | Appraisal provided | 05/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001010 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001011 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Notice to home loan applicant missing from file | XXX Response: Consumer Credit Score Disclosure and Notice to the Home Loan Applicant are found on pages XXX and XXX of the uploaded closing package | 04/21/2025 | FACTA Credit Score Disclosure is provided.; | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001011 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Provide Complete original appraisal with interior/exterior photos of subject & comps ordered through CSC approved XXX. | Client provided attached document(s) in response. | 03/12/2025 | Appraisal is Present or is Waived; Document Uploaded. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001011 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCRE9488 | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. The Hazard Insurance with XXX Fair Plan Property has Coverage D: Fair rental Value. The borrower's drivers License address is an apartment, and does not match the departure address. | XXX Response: Uploading clarification from XXX Fair Plan that Coverage D is loss of use but is tagged as Fair Rental Value since it covers FRV of similar properties if unable to be lived in. Borr ID was issued XX/XX/XXXX and went to his old residence at the apartment prior to buying his current residence. | 04/08/2025 | Intent of borrower's occupancy supported; Document Uploaded. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001011 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A copy of the EMD receipt for $XXX is in the file. Provide an image of the EMD payment, via copy of check, outgoing wire, or Bank Statement reflective of clearance. If business funds were used, a handwritten Letter of Explanation executed by the majority of the business' ownership describing the potential impact on the business if business funds are used for closing. Per GL's XXX Business Deposit Accounts & XXX Earnest Money & deposit | XXX Response: Uploading ledger showing clearance of the EMD wire | 04/08/2025 | Asset Qualification Meets Guideline Requirements; - | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001011 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Twelve Month Bank Statement Program was used for income. The XX/XX/XXXX and XX/XX/XXXX XXX #XXX, and XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX XXX #XXX Statements were used to calculate income. The Lender used account #XXX, transitioned to #XXX, reverted back and switched again. In addition, the XX/XX/XXXX XXX #XXX is required. The program requires the latest month's personal or business bank Statements with all pages is required for all months. Use of up to three accounts' Statements is acceptable on a consecutive and sequential basis. A borrower may not transition from one account to another and then revert back to the original or previous account Statement. Per GL's Twelve month Bank Statement Program | XXX Response: The XX/XX/XXXX Statement is all that is needed, per XXX dated XX/XX/XXXX, the expiration for these Statements is now XXX days.; XXX Response: Uploading updated ULAW with comp factors. | 05/02/2025 | Lender Exception to allow going back and forth with the Borrower's bank Statements for the first part of XXX approved by XXX.; ; Thank you for providing the approved exception to allow going back and forth on the bank Statements. However, we are still missing the XX/XX/XXXX Statement previously requested. Please provide the latest months bank Statement as required per guidelines. Thank you.; Document Uploaded. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001011 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report shows XXX #XXX XX/XX/XXXX with (DLA) Date of Last Activity of XX/XX/XXXX, but reported for XXX months. In addition, there is a mortgage Statement showing payments for XX/XX/XXXX and XX/XX/XXXX. XXX months housing pay history is verified. The mortgage / rental rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns and / or rents over the last twelve months. Provide XXX months primary housing payment history. Per GL's XXX Determining Mortgage / Rental Rating | XXX Response: Uploading updated ULAW with comp factors. | 04/08/2025 | Lender Exception to accept mortgage rating as is approved by XXX.; Document Uploaded. | 04/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001012 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent and underwriter were not checked with Exclusionary lists. | Client provided attached document in response. | 04/08/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001012 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001012 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001013 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete XXX. Missing a correct Section 1b: Current Employment - Start Date. Final 1003 reflects XX/XX/XXXX start date; however, Tax Preparer Letter States they have prepared borrower's taxes since XXX. Business bank Statement also supports XXX account from at least XX/XX/XXXX. XXX. Missing complete Section XX/XX/XXXX - Assets. No assets reflected, missing info from XXX #XXX business account. Needed to support the six months Reserve requirement. | Client provided attached document in response. | 04/08/2025 | The Final 1003 is Present; Document Uploaded. | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001013 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing a Third Party Valuation, within XXX% of appraised value, to support. $XXX appraised value used to qualify, $XXX Desk Review is a XXX% variance. Desk Review provided erroneously States the appraised value is $XXX. | Client provided attached document in response. | 03/26/2025 | Third party valuation product provided within tolerance.; Document Uploaded. | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001013 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001014 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan application shows the borrower lives at XXX. A letter from XXX, dated XX/XX/XXXX States the borrower receives free rent accommodation at XXX. The Property detail report for XXX is owned by XXX. The mortgage / rental rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns and / or rents over the last twelve months. Provide documentation to show signer of rent free letter is an authorized representative of XXXX. Provide a rent free letter with housing information through XX/XX/XXXX. Per GL's XXX Determining Mortgage/Rental Rating & XXX Absence of Mortgage/ Rental History | XXX Response: There are no rent free letter requirements in the guidelines for XXX, it only requires to be noted as such on the XXX. | 04/08/2025 | Housing History Meets Guideline Requirements; | 04/09/2025 | D B C A |
| XXXXX | XXXXX | 80001014 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The Title shows the subject is vested in XXX. Provide evidence the individual signing as seller on the contract is an authorized signer for selling entity (XXX and XXX). | XXX Response: Uploading entity docs showing both parties are authorized to sign the contract. | 04/08/2025 | Property Title Issue Resolved; Document Uploaded. | 04/09/2025 | D B C A |
| XXXXX | XXXXX | 80001014 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The funds for closing came from XXX # XXX, account holder is XXX Provide evidence the borrower is XXX of XXX Per GL's XXX Business Deposit Accounts | XXX Response: Uploading by laws for this entity showing borr has XXX% ownership. | 04/08/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 04/09/2025 | D B C A |
| XXXXX | XXXXX | 80001014 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, borrowing entity, seller, selling entity, authorized signer, settlement agent, and underwriter were not checked with the exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/08/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/09/2025 | D B C A |
| XXXXX | XXXXX | 80001014 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Input SSN is a tax processing number (ITIN) issued by the IRS for taxpayer filings. ITINs should not be offered or accepted as identification for non-tax purposes. Lender to clear the alert. | XXX Response: Loan closed under standard ITIN guidelines and procedures for XXX. | 04/08/2025 | All Fraud Report Alerts have been cleared or None Exist; | 04/09/2025 | D B C A |
| XXXXX | XXXXX | 80001014 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCRE1133 | Credit | Purchase Contract Expiration Date is prior to Note Date | The purchase contract States; the closing date is designated as XX/XX/XXXX, provided there are no unforeseen delays such as clearing title. Time is of the essence, and in no event shall closing be later than XXX calendar days after the designated closing date, unless an extension is agreed upon in writing between Buyer and Seller. Provide the extension for the contract. | XXX Response: The fact that the seller signed the CD on XX/XX/XXXX is proof enough for XXX that the seller had not voided the contract by closer later than anticipated. | 04/08/2025 | Initial expiration date of XX/XX/XXXX extended to XX/XX/XXXX. No verbiage in addendum indicating further extension is required in order to close and no mention of an additional addendum present that may be missing. Condition cleared.; Document Uploaded. | 04/09/2025 | D B A |
| XXXXX | XXXXX | 80001014 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | There is a settlement Statement for the purchase of XXX dated XX/XX/XXXX. In addition, there is a Note dated XX/XX/XXXX with XXX for a mortgage against XXX. File should document all other properties owned by the Applicant with a public record search (i.e.: XXXX or similar product) to establish there is not foreclosure action. Provide property report for XXX and XXX. Per XXX Determining Mortgage Rental Rating | XXX Response: Uploading updated DataVerify report with no XXX actions showing against borrower, credit report also does not show any XXX actions or public records filings. | 04/08/2025 | Document uploaded; finding resolved | 04/09/2025 | D B A |
| XXXXX | XXXXX | 80001014 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2025 | Acknowledged | FCRE1197 | Credit | XXX FICO is less than Guideline FICO | XXX FICO of XXX is less than Guideline FICO of XXX. The subject is rural. The minimum FICO score for a rural property is XXX. | XXX Response: Uploading updated ULAW with comp factors. | 04/08/2025 | Lender Exception for XXX FICO vs. XXX approved by XXX.; Compensating factors include no negative credit reporting, XXX DSCR, and significant reserves after closing | 04/09/2025 | D B C A |
| XXXXX | XXXXX | 80001014 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/10/2025 | D B A |
| XXXXX | XXXXX | 80001015 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Acknowledged | FCOM8804 | Credit | Missing Loan program disclosure | Missing correct Certificate of Loans To One Borrower Disclosure. |  |  | Acknowledged as B finding. | 03/13/2025 | B A |
| XXXXX | XXXXX | 80001015 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/12/2025 | B A |
| XXXXX | XXXXX | 80001015 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/12/2025 | B A |
| XXXXX | XXXXX | 80001016 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Documentation in file reflects an appraisal was completed for the subject property; however, the appraisal is not in file. Guideline section XXX General Requirements States XXX requires a complete original summary appraisal report on each property. | Client provided attached document in response. | 03/13/2025 | Appraisal is Present or is Waived; Document Uploaded. | 04/10/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | XXXXX | 80001016 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report with all parties verified. | Client provided attached document in response. | 04/09/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/10/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | XXXXX | 80001016 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | XXXXX | 80001017 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | Client provided attached documentation in response. | 04/10/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001017 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001017 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001018 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Provide a complete original appraisal with interior/exterior photos of subject & comps ordered through XXX approved XXX. XXX/Rental survey is required for an investment property. |  |  | Appraisal is Present or is Waived; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001018 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A copy of the $XXX Earnest Money check is in the file. Provide a certified escrow deposit receipt. Per GL's XXX. Earnest Money and Deposit | XXX Response: Uploading EDR. | 04/10/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001018 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, seller agent, listing agent, and underwriter were not checked with Exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/10/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001018 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Borrower property ownership records online indicate possible undisclosed real eState and/or mortgage debt.. Provide property report for XXX | XXX Response: Uploading XXX and DataTree searches and neither were able to substantiate the address as being valid. | 04/10/2025 | All Fraud Report Alerts have been cleared or None Exist; XXX not reflected as being undisclosed on Fraud Report, however, is listed in the REO section of the report. The loan amount of $XXX listed on the report was paid in full and closed XX/XX/XXXX per credit. Lender was unable to locate property in public records. Condition cleared.; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001018 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Acknowledged | FCRE9785 | Credit | Purchase Contract is Incomplete | Provide the addendum to the purchase contract showing $XXX seller contribution. Per GL's XXX Purchase / Sales Contract Loan Purpose is Purchase but Purchase Contract Doc is Incomplete | XXX Response: Uploading updated ULAW with comp factors. | 04/10/2025 | Document Uploaded. Lender Exception to waive obtaining addendum for seller concessions approved by XXX.; Document Uploaded. Lender Exception to waive obtaining addendum for seller concessions approved by XXX. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001018 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001019 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The subject is a non owner occupied property. Vacant investment properties are not eligible for a refinance transaction. Per GL's XXX Investment Property and XXX Ineligible s | XXX Response: Appraisal was completed prior to new tenant moving in. Uploading new lease, ledger showing payments and property management company agreement. | 04/10/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum D A C |
| XXXXX | XXXXX | 80001019 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The subject is secured by a loan from XXX. Mortgage Statements from XX/XX/XXXX through XX/XX/XXXX shows monthly payments were made. XXX Bank Statement #XXX shows the XX/XX/XXXX payment came from the borrowers account. A mortgage rating for a lien owned by private party or non-institutional lender will require a mortgage history to be documented with cancelled checks (front and back) or, bank Statements showing withdrawals. Provide evidence the payments for XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX-XX/XX/XXXX came from the borrower's account. Per GL's XXX Private Party / Non-Institutional Lender | XXX Response: XXX is not treated as a private person lender, they are an institutional lender/servicer and the proof of payments from Statements showing the payments made and posted are satisfactory to XXX guidelines. | 04/10/2025 | Housing History Meets Guideline Requirements; Lender considers XXX/XXX as an identifiable third party vs. non-institutional (at XXX's sole discretion per guides). Canceled checks not required. Mortgage Statements in file confirm payment history. Condition cleared.; | 04/11/2025 | is Greater than the Guideline Minimum D A C |
| XXXXX | XXXXX | 80001019 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject was purchased XX/XX/XXXX. If the borrower purchased the subject property less than twelve months or the property changed ownership within the previous twelve months the value for determining the loan-to-value will be the lesser of: lowest transfer value in the previous twelve months OR Appraised value. Provide the HUD/Settlement Statement from the purchase of the property. Per GL's XXX Property Value Determination | XXX Response: Uploading Final HUD from closing that showed the sales price of $XXX. Uploading list of improvements from borrower and closed outside the XXX month window. Using the appraised value is acceptable. Uploading updated ULAW with comp factors. | 04/10/2025 | Property Title Issue Resolved; Settlement Statement for subject purchase and list of improvements provided. Condition Cleared.; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum D A C |
| XXXXX | XXXXX | 80001019 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Provide a Complete original appraisal with interior/exterior photos of subject & comps ordered through XXX approved XXX. Provide the XXX/Rental survey is required for an investment property. |  |  | Appraisal is Present or is Waived; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum D A C |
| XXXXX | XXXXX | 80001019 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FCOM1226 | Compliance | Balloon Rider is Missing | Balloon Rider is Missing | XXX Response: please note that XXX does not have an adjustable rate loan among its products so the ballon rider is not needed for this loan. | 03/17/2025 | The Balloon Rider is Present; The Balloon Rider is XXX. Confirmed.; | 04/11/2025 | is Greater than the Guideline Minimum D A C |
| XXXXX | XXXXX | 80001019 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1197 | Credit | XXX FICO is less than Guideline FICO | XXX FICO of is greater than or equal to Guideline FICO of XXX |  |  | Borrower is a XXX | 04/11/2025 | is Greater than the Guideline Minimum D A C |
| XXXXX | XXXXX | 80001019 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Upon receipt of the appraisal, the subject is vacant. Per section XXX of Lender Guidelines, refinances of vacant properties are ineligible. | XXX Response: Appraisal was completed prior to new tenant moving in. Uploading new lease, ledger showing payments and property management company agreement. | 04/10/2025 | The issue with the property has been resolved.; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum D A C |
| XXXXX | XXXXX | 80001019 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/13/2025 | is Greater than the Guideline Minimum D A C |
| XXXXX | XXXXX | 80001020 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. Provide monthly amenity/maintenance fee for the borrower's primary residence. | XXX Response: Uploading T&I for departure that is XXX. | 04/10/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present.; Primary residence in same community as subject. Using same maintenance/amenity fees included in DTI. Condition cleared.; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001020 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Acknowledged | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The purchase contract shows the buyer as XXX. Provide an addendum showing the buyer as XXX. | XXX Response: Uploading updated ULAW with comp factors. | 04/10/2025 | Lender Exception to waive contract addenda changing Borrower name approved by XXX.; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001020 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The borrower had been discharged from Bankruptcy XX/XX/XXXX. The maximum LTV for a bankruptcy discharged less than XXX year is XXX%. The appraisal shows the property is in a declining market, this requires XXX% reduction in the CLTV. The Maximum LTV is XXX%. | XXX Response: Uploading updated ULAW with comp factors. | 04/10/2025 | XXX LTV of XXX% exceeds Guideline LTV of XXX% Lender Exception to waive XXX% declining market reduction approved by XXX.; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001020 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The borrower had been discharged from Bankruptcy XX/XX/XXXX. The maximum CLTV for a bankruptcy discharged less than XXX year is XXX%. The appraisal shows the property is in a declining market, this requires XXX% reduction in the CLTV. The Maximum CLTV is XXX%. | XXX Response: Uploading updated ULAW with comp factors. | 04/10/2025 | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% Lender Exception to waive XXX% declining market reduction approved by XXX.; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001020 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The borrower had been discharged from Bankruptcy XX/XX/XXXX. The maximum HLTV for a bankruptcy discharged less than XXX year is XXX%. The appraisal shows the property is in a declining market, this requires XXX% reduction in the CLTV. The Maximum HLTV is XXX%. | XXX Response: Uploading updated ULAW with comp factors. | 04/10/2025 | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% Lender Exception to waive XXX% declining market reduction approved by XXX.; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001020 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001020 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001021 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCRE1164 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy The subject is located in Flood Zone XXX. The Settlement Statement shows Flood Insurance to XXX. Provide the declarations page of the policy. Per GL's XXX Flood Insurance | Client provided attached document in response. | 03/26/2025 | Flood Insurance Policy is fully present; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001021 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The XXX retirement account #XXX was used for closing. The loan file must include a copy of the IRA or XXX Account Statement and proof of liquidation. A deposit receipt showing the funds on deposit in the borrower's account or the funds deposited into escrow is required. Provide evidence the funds were liquidated and deposited into XXX #XXX. Per GL's XXX IRA, XXX | XXX Response: The XXX account is a brokerage account, not a retirement account. The Statement itself is all that is needed for sourcing the funds. | 04/10/2025 | Asset Qualification Meets Guideline Requirements; - | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001021 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The borrower, co-borrower, seller, broker, loan officer, Lender, settlement agent, listing broker, selling agent, loan processor, underwriter, appraiser and appraisal company were not checked with the exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/10/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001021 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The seller is a business entity. Provide evidence individual signing as seller on the contract is an authorized signer for selling entity: XXX and XXX | XXX Response: Uploading two written consent letters, one validating the name and another validating the position, which is referenced on pg XXX of the contract as an XXX. | 04/10/2025 | Property Title Issue Resolved; Document Uploaded. | 04/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001021 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a DSCR >.XXX XXX Response: Uploading updated ULAW with comp factors. 04/10/2025 Lender Exception to XXX% approved by XXX.; Document Uploaded. 04/11/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B C B D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |
| XXXXX | XXXXX | 80001021 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HLTV for a DSCR >.XXX XXX Response: Uploading updated ULAW with comp factors. 04/10/2025 Lender Exception to XXX% approved by XXX.; Document Uploaded. 04/11/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B C B D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |
| XXXXX | XXXXX | 80001021 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a DSCR >.XXX XXX Response: Uploading updated ULAW with comp factors. 04/10/2025 Lender Exception to XXX% approved by XXX.; Document Uploaded. 04/11/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B C B D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |
| XXXXX | XXXXX | 80001021 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001021 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001022 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | Client provided attached document in response. | 04/16/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | XXXXX | 80001022 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | XXXXX | 80001022 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | XXXXX | 80001023 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001023 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001023 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001024 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 03/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001024 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001024 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001026 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The appraisal shows the subject is vacant. There is no lease in the file. XXX does not originate loans where the subject property(s) are vacant on refinances (cash out or rate & term). Provide a signed lease agreement with proof of 1st month rent and XXX deposit. Per GL's XXX Vacant Properties | XXX Response: Uploading copy of newer lease. | 04/16/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 04/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001026 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide evidence of XXX months gross rental income rent loss insurance coverage. At minimum, Rent loss coverage should be to the lessor of PITIA or rent received/scheduled. | XXX Response: Uploading full policy that reflects fair rental value coverage. | 04/16/2025 | Rent Loss Coverage Present; Document Uploaded. | 04/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001026 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The borrower, co-borrower, Broker, entity, Loan Officer, Lender, Settlement Agent, loan processor, underwriter, appraisal company and appraiser were not checked with exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/16/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001026 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1202 | Credit | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Provide complete fraud report | XXX Response: Uploading updated DataVerify report. | 04/16/2025 | Third Party Fraud Report is fully present; Document Uploaded. | 04/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001026 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The credit report shows collection accounts involved in Chapter XXX. Provide the Chapter XXX Bankruptcy filing date and payment plan. The payment plan history should verify that all payments under the plan have been completed. Any open Chapter XXX Bankruptcy must be paid in full prior to or through closing. (Note: Bankruptcy less than XXX-XXX years has a maximum LTV of XXX%). |  |  | Delinquent Credit History Meets Guideline Requirements-No open collections. BK discharge date meets guidelines.; The BK was discharged XX/XX/XXXX but Ch XXX's are graded on the date of filing on XX/XX/XXXX and the debts in question are over XXX years and not counted. Ones reflecting payments are not considered in BK, also, this is a DSCR loan so payment info would need to be validated. | 04/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001026 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001026 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001027 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject is vested in XXX a XXX limited liability company, provide evidence signer is an authorized agent. | Client provided attached document in response. | 04/17/2025 | Property Title Issue Resolved; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001027 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Provide evidence XXX months gross rental income rent loss insurance coverage is the lessor of PITIA or rent received/scheduled. | XXX Response: Uploading full hazard policy with explanation for XXX (pg XXX) showing that they are covered for up to XXX months with coverage capped at $XXXK. | 04/16/2025 | Loss Rent Coverage is Sufficient-See page XXX of attached document. Full policy covers up to XXX months. Condition Cleared.; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001027 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, seller, selling agent, listing agent, settlement/title company, loan processor, and underwriter were not checked with the Exclusionary lists. | Client provided attached document in response. | 04/17/2025 | All Interested Parties Checked against Exclusionary Lists-XXX hit is for properties in XXX. Subject is in XXX. Condition cleared.; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001027 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Acknowledged | FCRE9992 | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The borrower received an $XXX gift towards closing. Investment Property – Applicant will be required to contribute a portion of their own sourced and seasoned funds to the transaction of the larger of XXX% of the purchase price or $XXX. The borrower is required to contribute $XXX towards closing. Per GL's XXX Gift Funds : Limitations to gift funds | XXX Response: Uploading updated ULAW with comp factors. | 04/16/2025 | Lender Exception for not meeting minimum Borrower contribution of XXX% approved by XXX.; Document Uploaded. | 04/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001027 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. The loan was approved with the DSCR program.XXX to XXX. A Lender exception is in the file to allow DSCR of.XXX. Missing two compensating factors. | XXX Response: Uploading updated ULAW with comp factors. | 04/16/2025 | Lender Exception for DSCR less than XXX approved by XXX.; Document Uploaded. | 04/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001027 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1748 | Credit | Missing Certificate of Occupancy |  | Client provided attached document in response. | 03/26/2025 | Document uploaded; finding resolved | 03/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001027 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001027 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001028 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Missing Deed of Trust per monthrtgage. | Client provided attached document in response. | 03/20/2025 | The Deed of Trust is Present; Document Uploaded. | 03/20/2025 | D A |
| XXXXX | XXXXX | 80001028 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/17/2025 | D A |
| XXXXX | XXXXX | 80001028 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/17/2025 | D A |
| XXXXX | XXXXX | 80001029 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing proof of XX/XX/XXXX payment for Primary (XXX) mortgage, XXX #XXX. |  |  | Housing History Meets Guideline Requirements; Update not required per XX/XX/XXXX Credit Memo-Housing History Meets Guideline Requirements | 04/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| XXXXX | XXXXX | 80001029 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Ineligible transaction per Lender GL Section XXX for a refinance, due to being listed for sale within last six months. Date listing removed was XX/XX/XXXX, was XX/XX/XXXX. | Client provided attached documentation in response. | 04/18/2025 | Lender Exception to allow property to be listed for sale on a refinance approved by XXX.; Document Uploaded. | 04/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| XXXXX | XXXXX | 80001029 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCOM9469 | Credit | Missing required ARM Rider | Deed of Trust is Missing Adjustable Rate Rider and Note Type is ARM. Provide signed and notarized Deed of Trust with all riders | Client provided attached document in response. ; Client provided attached document in response. | 03/27/2025 | ; Not required on Business/Commercial; exception resolved; Document Uploaded. ; ; ARM Rider not present in closing package. Please provide ARM Rider to XXX Instrument/Deed. Thank you.; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCRE2007 | Credit | Loan Agreement Missing | Missing loan agreement as required per guidelines or as referenced in the loan file. Provide signed and notarized Loan Agreement | Client provided attached document in response. | 03/18/2025 | Loan Agreement Present; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Provide signed notarized guaranty | Client provided attached document in response. | 03/18/2025 | Personal Guaranty provided.; Missing Personal Guaranty.; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCOM1229 | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. Provide the Deed of Trust | XXX response : Please note that Section C of the Mortgage addresses the Assignment of Rents. | 03/18/2025 | The 1-4 Family Rider is Present; Not required on Business/Commercial; exception resolved; Not required on Business/Commercial; exception resolved; | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCRE1104 | Credit | Maturity Date is not the first of the month | Maturity Date is not the first day of the month Provide signed Note |  |  | Maturity Date is the first day of the month | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. Provide signed Note | Client provided attached document in response. | 03/18/2025 | The Note is Present.; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Provide the signed and notarized Deed of Trust with all riders | Client provided attached document in response. | 03/18/2025 | The Deed of Trust is Present; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser's, appraisal company's, settlement agent, and underwriter were not checked with Exclusionary lists | XXX Response: Uploading updated DataVerify report. | 04/17/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Acknowledged | FCRE1199 | Credit | XXX Loan Amount is greater than Guideline Maximum Loan Amount | XXX Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX The maximum loan amount for waived impounds is $XXX. | XXX Response: Uploading updated ULAW with comp factors. | 04/17/2025 | Lender Exception to approve loan amount > $XXXM approved by XXX.; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: A second full appraisal is required when: The loan amount is greater than $XXX any refinance. Provide a second, Complete original appraisal with interior/exterior photos of subject & comps ordered through XXX approved XXX Per GL's XXX Second Appraisals | XXX Response: Uploading updated ULAW with comp factors. | 04/17/2025 | Lender Exception to waive 2nd appraisal approved by XXX.; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements A VOM for the subject mortgage shows payments through XX/XX/XXXX. Mortgage Statement's from XXX #XXX and XXX #XXX shows the primary housing was paid through XX/XX/XXXX. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last twelve months. Provide evidence all mortgages were paid for XX/XX/XXXX. Per GL's XXX Determining Mortgage Rating. | XXX Response: Per credit memo dated XX/XX/XXXX, the expiration for mortgage ratings was extended to XXX days if there are no lates reporting. Also, per Sec XXX, only the primary and any secondary homes along with subject t NOO require ratings, non-subject REO's do not need updated ratings. Uploading updated ULAW with comp factors. | 04/17/2025 | Lender Exception to waive most recent payment verification for subject approved by XXX.; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Acknowledged | FVAL5385 | Property | Property has been listed for sale in the past XXX months | Per Lender GLs XXX Properties Listed for sale - If the subject property has been listed for sale in the last XXX (XXX) months from the date of funding by XXX, the transaction is ineligible. Last listing date is XX/XX/XXXX and the lender's is XX/XX/XXXX. | XXX Response: Uploading updated ULAW with comp factors | 04/17/2025 | Lender Exception for property listed for sale approved by XXX.; Document Uploaded. | 04/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Please provide a schedule of real eState with property address matched to each mortgage listed on the borrower's credit report. Per GL's Rental Income |  |  | Document uploaded; finding resolved | 03/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001030 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001031 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001031 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001031 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001032 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The loan application lists XXX as the co-borrowers primary address. The Settlement Statement from the sale of XXX shows the property was sold to XXX on XX/XX/XXXX. Provide the primary address for the co-borrower with monthly housing payment. Per GLs XXX Determining Mortgage / Rental Rating | B2 lived at XXX rent free and then that property sold and XXX closed our loan XXX weeks later so no payment would have been due anyways. Also, this information would not be necessary on a business application as this was a Business Purpose loan and expirations are all now XXX days for VOR's so there is nothing to report.; XXX Response: Uploading VOR and LOE about this address, which is already on the Final 1003. Per credit memo dated XX/XX/XXXX, if there are not lats reporting, the expiration is now XXX days for the rating, no lates are reporting. | 05/19/2025 | ; ; VOR attached was for B1, however, B2's current housing/residence was the one in question. Please provide documentation regarding B2's current residence for review as it appears XXX (which was owned by B1) was sold on XX/XX/XXXX based on HUD in file. Thank you.; Document Uploaded. | 05/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001032 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a No Ratio DSCR is XXX%. There is an exception in the file. File needs a minimum of XXX compensating factors. | XXX Response: Uploading updated ULAW with comp factors. | 04/18/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 04/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001032 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HLTV for a No Ratio DSCR is XXX%. There is an exception in the file. File needs a minimum of XXX compensating factors. | XXX Response: Uploading updated ULAW with comp factors. | 04/18/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 04/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001032 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a No Ratio DSCR is XXX%. There is an exception in the file. File needs a minimum of XXX compensating factors. | XXX Response: Uploading updated ULAW with comp factors. | 04/18/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 04/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001032 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001032 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001033 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/19/2025 | A |
| XXXXX | XXXXX | 80001033 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/19/2025 | A |
| XXXXX | XXXXX | 80001033 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/19/2025 | A |
| XXXXX | XXXXX | 80001034 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001034 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001034 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001035 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties. | Client provided attached documentation in response. | 04/18/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001035 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2025 | Resolved | FCRE3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: The asset Statement in file reflects the $XXX Earnest Money Deposit; however, the escrow receipt is not in file. Guideline section XXX Earnest Money and Deposit States earnest money and deposits exceeding two percent of the sales price or $XXX, whichever is less, requires verification by one of the following: (a) Copy of check (canceled or not canceled) or outgoing wire with certified escrow deposit receipt; or (b) Bank Statement showing the check or wire cleared with certified escrow deposit receipt. | Client provided attached documentation in response. | 04/18/2025 | Document uploaded; finding resolved | 04/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001035 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001035 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001036 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, processor, and underwriter were not checked with Exclusionary lists. | XXX Response: Uploading updated DataVerify report, no separate processor for this transaction. | 04/21/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum A |
| XXXXX | XXXXX | 80001036 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal shows the subject is vacant. Vacant properties for refinances, (cash out or rate & term) not allowed per GL's XXX Vacant Properties | XXX Response: Uploading lease and deposit on bank Statement for the new tenant that was about to take occupancy. XXX does not consider this to be vacant if under a new lease. | 04/21/2025 | Property/Appraisal Meets Guidelines; Document Uploaded. | 04/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum A |
| XXXXX | XXXXX | 80001036 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum A |
| XXXXX | XXXXX | 80001037 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | Client provided attached document in response. | 04/21/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/22/2025 | C A |
| XXXXX | XXXXX | 80001037 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/21/2025 | C A |
| XXXXX | XXXXX | 80001037 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/21/2025 | C A |
| XXXXX | XXXXX | 80001038 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report with all interested parties verified. | Client provided attached documentation in response. | 04/24/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001038 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001038 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001039 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCRE5809 | Credit | Missing evidence of self employment | There is a CPA Letter in file; however, there is no documentation to verify the CPA or business. Guideline section IX. Acceptable Evidence of XXX Business | XXX Response: CPA letter was not used since the articles were provided showing Borrower 1 XXX% owner since XXX and XXX for his entities. Uploading for review. | 04/25/2025 | Document uploaded; finding resolved | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001039 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 reflects PITIA of $XXX for XXX #XXX; however, the file does not contain documentation to verify the PITIA for this property. Guideline section XXX Mortgage Payments for Rental Properties | XXX Response: Uploading PITIA docs from other XXX loan. | 04/25/2025 | Document uploaded; finding resolved | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001039 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. Compliant |  |  | Compliant | 03/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001039 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001039 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% An approved exception is in file to allow XXX% LTV with compensating factors of strong collateral and low LTV. XXX Price Sheet NOO XX/XX/XXXX Condotel |  |  | An approved exception is in file to allow XXX% LTV with compensating factors of strong collateral and low LTV. | 03/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001039 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% An approved exception is in file to allow XXX% LTV with compensating factors of strong collateral and low LTV. XXX Price Sheet NOO XX/XX/XXXX Condotel |  |  | An approved exception is in file to allow XXX% LTV with compensating factors of strong collateral and low LTV. | 03/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001039 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% An approved exception is in file to allow XXX% LTV with compensating factors of strong collateral and low LTV. XXX Price Sheet NOO XX/XX/XXXX Condotel |  |  | An approved exception is in file to allow XXX% LTV with compensating factors of strong collateral and low LTV. | 03/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001040 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, loan processor, and underwriter were not checked with Exclusionary Lists. | Client provided attached documentation in response. | 04/22/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001040 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001040 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001041 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing The file does not contain the Deed of Trust. Guideline XXX Credit File Document Requirements C. Assets | Client provided attached document in response. | 03/26/2025 | The Deed of Trust is Present; Document Uploaded. | 04/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001041 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCOM1229 | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. There is no 1-4 Family Rider in the file. Guideline section XXX Legal File Document Requirements |  |  | 1-4 Family Rider - Trailing. Condition Resolved vs. rescinded.; ; The 1-4 Family Rider is Present | 04/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001041 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | The XXX reflects the subject is currently rented for $XXX; however, there is no lease in the file. Guideline section Debt Service Coverage Ratio ("DSCR") | Client provided attached document in response. | 04/21/2025 | Document uploaded; finding resolved | 04/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001041 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Acknowledged | FVAL5385 | Property | Property has been listed for sale in the past XXX months | The listing history within the appraisal reflects the subject was listed XX/XX/XXXX, which is within the last XXX months. An approved exception is in file to allow this listing; however, the only compensating factor mentioned is the LTV. Guideline section XXX Properties Listed for Sale | Client provided attached document in response. | 04/21/2025 | Lender Exception for property listed within the last XXX months approved by XXX.; Document Uploaded. | 04/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001041 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001042 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, seller, listing agent, selling agent, settlement company, processor and underwriter were not checked with the Exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/22/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/21/2025 | D B C A |
| XXXXX | XXXXX | 80001042 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2025 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | Provide an Executed W8(XXX) form. | XXX Response: Uploading passport for borr showing XXX from XXX, subject is an NOO with rent loss coverage. | 04/22/2025 | ; Document Uploaded. ; Please provide executed W-XXX (XXX) Form as required per loan approval dated XX/XX/XXXX.; Document Uploaded. | 05/21/2025 | D B C A |
| XXXXX | XXXXX | 80001042 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2025 | Acknowledged | FCRE1964 | Credit | Missing income documentation | Provide Certificate of Good Standing or equivalent document valid within ninety days of the closing date. Per GL's XXX | XXX Response: Uploading COGS. | 04/22/2025 | Document Uploaded. Lender Exception to accept older Certificate of Good Standing approved by XXX. Compensating factors include XXX DSCR, significant reserves already in USD after closing, comparable sales have very low average DOM; Documentation provided is not dated within XXX days of closing date as required per Section XXX (page XXX of Lender guidelines). Please provide certificate of good standing or equivalent documentation valid within XXX days of XX/XX/XXXX note date. Thank you.; Document Uploaded. Lender Exception to accept older Certificate of Good Standing approved by XXX. | 05/21/2025 | D B A |
| XXXXX | XXXXX | 80001042 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/25/2025 | D B A |
| XXXXX | XXXXX | 80001042 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/25/2025 | D B A |
| XXXXX | XXXXX | 80001043 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. lender exception in the file for XXX DSCR. File is missing XXX compensating factors. | Client provided attached documentation in response. | 04/22/2025 | Lender Exception for XXX DSCR approved by XXX.; Document Uploaded. | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001043 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2025 | Resolved | FCRE5809 | Credit | Missing evidence of self employment | The file does not contain an Operating Agreement for XXX. Guideline section XXX Borrowing Entities D. Entity Documentation Requirements | Client provided attached documentation in response. | 04/22/2025 | Document uploaded; finding resolved | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001043 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001043 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001045 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Written Verification of Employment Program was used for the borrowers income. Provide a VVOE within XXX-hours of funding. Per GL's Written Verification of Employment Program | XXX Response: Uploading VVOE for B1. | 04/22/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Document Uploaded. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001045 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Provide evidence of authorized signer's for the seller XXX | XXX Response: Uploading seller auth, 2nd name up from bottom of pg XXX. | 04/22/2025 | Property Title Issue Resolved; Document Uploaded. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001045 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The borrower, appraiser, appraisal company, the seller agent, the seller, the settlement agent, the processor and the underwriter were not checked with Exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/22/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001045 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2025 | Acknowledged | FCRE9995 | Credit | XXX Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. The LTV is XXX% which requires XXX months reserves. The Lender exception for XXX months reserves is in the file. However, the reserves verified are $XXX and required XXX months reserves is $XXX. Please provide evidence of XXX months reserves. | XXX Response: Uploading XXX #XXX ledger through XX/XX/XXXX showing $XXXK in the account. | 04/22/2025 | Document Uploaded. Lender Exception for XXX months reserves approved by XXX.; Thank you for providing the asset documentation. We apologize for the confusion, please provide an updated ULAW that reflects a minimum of XXX compensating factors to allow the XXX months of reserves exception vs. XXX months required. Thank you.; Document Uploaded. Lender Exception for XXX months reserves approved by XXX. | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001045 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the increase in recording fees on the final CD with no COC in file. The cure on the PCCD was already applied to the credit report increase. This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). | Client provided attached document in response. | 04/03/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded. | 04/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001045 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | XXXXX | 80001046 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company and underwriter were not checked with Exclusionary Lists. | XXX Response: Uploading updated DataVerify report. | 04/23/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001046 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Provide the signed lease agreement for the subject property. | XXX Response: Uploading updated ULAW with comp factors, XXX dated XX/XX/XXXX pushes out the expiration to XXX days for mortgage payments so the new XXX does not need to be provided since there are no lates reporting. Also uploading current lease for subject. | 04/23/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing; Document Uploaded. | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001046 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal shows the subject was listed for sale, listing ended XX/XX/XXXX. Properties listed for sale must have minimum XXX months from last day of listed to day of application. The is XX/XX/XXXX. An Exception is in the file. Lender exception is missing a minimum of XXX compensating factors. | XXX Response: Uploading updated ULAW with comp factors. | 04/23/2025 | Lender Exception for property listed for sale approved by XXX.; | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001046 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The fraud report shows the primary residence was purchased XX/XX/XXXX. The credit report shows payments from XX/XX/XXXX - XX/XX/XXXX. Primary residence requires XXX month pay history. Provide evidence XX/XX/XXXX payment to XXX #XXX and pay history for primary residence from XX/XX/XXXX - XX/XX/XXXX. Per GL's XXX | XXX Response: Uploading updated ULAW with comp factors, XXX dated XX/XX/XXXX pushes out the expiration to XXX days for mortgage payments so the new XXX does not need to be provided since there are no lates reporting. | 04/23/2025 | Lender Exception to allow partial housing history on primary residence approved by XXX.; Document Uploaded. | 04/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001046 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The Maximum LTV for a refinance DSCR XXX Response: Uploading updated ULAW with comp factors. 04/23/2025 Lender Exception to XXX% approved by XXX (loan closed at XXX%).; Document Uploaded. 04/24/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B C B D B C B A A D D C A D D C A D D C A D D C A D D C A B B B A B B B A B B B A B B B A B B B A |  |  |  |  |  |
| XXXXX | XXXXX | 80001046 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The Maximum HLTV for a refinance DSCR XXX Response: Uploading updated ULAW with comp factors. 04/23/2025 Lender Exception to XXX% approved by XXX (loan closed at XXX%).; Document Uploaded. 04/24/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B C B D B C B A A D D C A D D C A D D C A D D C A D D C A B B B A B B B A B B B A B B B A B B B A |  |  |  |  |  |
| XXXXX | XXXXX | 80001046 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The Maximum CLTV for a refinance DSCR XXX Response: Uploading updated ULAW with comp factors. 04/23/2025 Lender Exception to XXX% approved by XXX (loan closed at XXX%).; Document Uploaded. 04/24/2025 is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B C B D B C B A A D D C A D D C A D D C A D D C A D D C A B B B A B B B A B B B A B B B A B B B A |  |  |  |  |  |
| XXXXX | XXXXX | 80001046 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A |
| XXXXX | XXXXX | 80001047 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2025 | Acknowledged | FCRE1195 | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The primary wage earner is the applicant who is paid the highest salary based on the employment and occupation information documented in the file. Lender used mid FICO for BR2, however BR1 is paid the highest salary. Max LTV for XXX FICO is XXX%. | Client provided attached documentation in response. | 04/23/2025 | Lender Exception to XXX% approved by XXX. ESTABLISHED CREDIT SINCE XXX WITH GOOD PAYMENT HISTORY. LENGHT OF EMPLOYMENT, AND HI FICO SCORE, partial housing rating, comp factors, B1 S/E XXX+ years, XXX% DTI, subject in C3 condition.; Document Uploaded. | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001047 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing The XXX month Bank Statement Program was used for income. Bank Statements from XXX #XXX in the file from XX/XX/XXXX through XX/XX/XXXX. The most recent XXX months bank Statements are required. Provide the XX/XX/XXXX and XX/XX/XXXX Statements from XXX #XXX. Per XXX Month Bank Statement Program |  |  | Borrower 1 Business Bank Statements Provided | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001047 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | FCRE1345 | Credit | Borrower 1 Lease Agreements Missing | Borrower 1 Lease Agreements Missing The property at XXX receives $XXX monthly rent. Provide a copy of the signed and dated lease agreement. | Client provided attached documentation in response. | 04/23/2025 | Borrower 1 Lease Agreements Provided; Document Uploaded. | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001047 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, sellers, real eState brokers, title/settlement agent and underwriter were not checked with Exclusionary lists. | Client provided attached documentation in response. | 04/23/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001047 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The borrower rents XXX for $XXX per month. Provide legible copy of XXX months canceled checks (front and back) , money orders or bank Statements for the last XXX months which consistently show payment made for rent amount. Per XXX | Client provided attached documentation in response. | 04/23/2025 | Lender Exception to allow partial housing rating approved by XXX.; Document Uploaded. | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001047 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2025 | Acknowledged | FCRE1194 | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The primary wage earner is the applicant who is paid the highest salary based on the employment and occupation information documented in the file. Lender used mid FICO for BR2, however BR1 is paid the highest salary. Max LTV for XXX FICO is XXX%. | Client provided attached documentation in response. | 04/23/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001047 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2025 | Acknowledged | FCRE1196 | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The primary wage earner is the applicant who is paid the highest salary based on the employment and occupation information documented in the file. Lender used mid FICO for BR2, however BR1 is paid the highest salary. Max LTV for XXX FICO is XXX%. | Client provided attached documentation in response. | 04/23/2025 | Lender Exception to XXX% approved by XXX.; Document Uploaded. | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001047 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001047 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001047 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Acknowledged | FCRE9995 | Credit | XXX Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. LTV of XXX% requires XXX months reserves. There is an exception in the file for shortage in reserves. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001048 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2025 | Resolved | FCRE1495 | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Guidelines require a verification of existence of business within XXX days of closing or after. Please provide a VOE dated XX/XX/XXXX or later. | Document Uploaded. | 01/29/2025 | ATR: Current Employment Was Verified | 01/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001048 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001048 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001049 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2025 | Acknowledged | FCRE1193 | Credit | XXX DTI Exceeds Guideline DTI | XXX DTI of XXX% exceeds Guideline DTI of XXX%. There are no supporting documentation for excluding the PITIA of the properties at XXX, XXX, XXX, XXX, XXX, XXX and XXX from the DTI. Please provide unexpired executed lease agreements and the most recent two months rent receipts or any other documentation that can support the omission. | Document Uploaded. ; Audit has reviewed the XX/XX/XXXX provided by the lender. Audit's DTI remains at XXX%, which exceeds the guideline maximum of XXX%, compared to the lender's DTI of XXX%. Lender to review and address the following rental income discrepancies : XXX.) XXX: The lender is using -$XXX, suggesting they did not account for the XXX% vacancy factor. Audit is using -$XXX. XXX.) XXX: No lease was provided; audit requested it on XX/XX/XXXX. The lender is using -$XXX, while audit is using -$XXX. Note: the lease uploaded to LauraMac and labeled "XXX" is actually for "XXX." XXX.) XXX: The lender is using $XXX, suggesting they did not account for the XXX% vacancy factor. The audit is using -$XXX. XXX.) XXX: The lender is using $XXX for the lease and positive cash flow of $XXX, suggesting they did not account for the XXX% vacancy factor. However, at the time of closing, the lease was $XXX, and this amount was verified via bank Statements as being received from the tenant. Audit is using -$XXX.; Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 03/19/2025 | Lender provided exception approval for DTI. Per guides the max DTI is XXX%, approved for a DTI XXX%. Comp Factor #XXX: Fico XXX. Comp Factor #XXX: LTV lower - XXX%. Comp Factor #XXX: Residual income at least $XXX a month.; ; The lender provided a XXX reflecting a DTI of XXX%, but no supporting documentation on how this DTI was achieved. The condition remains unresolved as audit has calculated a DTI of XXX%, which exceeds the guideline maximum of XXX%. DTI Analysis: Property Reviews: XXX: Audit and lender using the same calculation: $-XXX: Audit and lender using the same calculation: $-XXX: Audit: - XXX,Lender:-XXX (suggesting lender did not account for the XXX% vacancy factor) XXX: Audit and lender using the same calculation: $-XXX: Audit: - XXX,Lender:-XXX. Please note: the audit did not receive a copy of the lease for this property as requested on XX/XX/XXXX. The lease provided and labeled "XXX" is actually for "XXX." XXX: Audit: $-XXX, Lender: $XXX (suggesting lender did not account for the XXX% vacancy factor) XXX: Audit: $XXX, Lender: $XXX (suggesting lender used $XXX for lease amount and did not account for the XXX% vacancy factor). Audit used $XXX for lease amount as verified via bank Statements received from the tenant at the time of closing.; XXX DTI of XXX% exceeds Guideline DTI of XXX% DTI Analysis: DTI: XXX% (exceeds guideline maximum of XXX%) Property Reviews: XXX: Audit and lender using the same calculation: $-XXX: Audit and lender using the same calculation: $-XXX: Audit: $-XXX Lender: $-XXX (suggesting lender did not account for the XXX% vacancy factor) XXX: Audit and lender using the same calculation: $-XXX: Audit: $-XXX, Lender: $-XXX. Please note: audit did not receive a copy of the lease for this property as requested on XX/XX/XXXX. The lease the was provided and labeled "XXX" is actually for "XXX. XXX: Audit: $-XXX, Lender: $XXX (suggesting lender did not account for the XXX% vacancy factor) XXX: Audit: $XXX, Lender: $XXX (suggesting lender used $XXX for lease amount and did not account for the XXX% vacancy factor). Audit used $XXX for lease amount as this was verified via bank Statements as received from the tenant at the time of closing.; XXX DTI of XXX% exceeds Guideline DTI of XXX% The Audit Team has reviewed the leases, the lender's LOE for receipt of rental payments, and the provided HOA fees. The following items are still pending: XXX - Tenant: XXX. Monthly rent per lease: $XXX. Bank Statements only confirm receipt of $XXX from XXX on XX/XX/XXXX (pg XXX) and $XXX on XX/XX/XXXX (pg XXX). Evidence of the remaining rent received totaling $XXX is needed. XXX - Tenant: XXX. Monthly rent per lease: $XXX. Evidence of receipt of $XXX from XXX is not reflected on the bank Statements. Please provide evidence of receipt for XXX months. Please note that if the above information is provided, the DTI will be XXX%, which still exceeds guidelines.; XXX DTI of XXX% exceeds Guideline DTI of XXX% The Audit Team has reviewed the leases, the lender's LOE for receipt of rental payments, and the provided HOA fees. The following items are still pending: XXX - Tenant: XXX. Monthly rent per lease: $XXX. Bank Statements only confirm receipt of $XXX from XXX on XX/XX/XXXX (pg XXX) and $XXX on XX/XX/XXXX (pg XXX). Evidence of the remaining rent received totaling $XXX is needed. XXX - Tenant: XXX. Monthly rent per lease: $XXX. Evidence of receipt of $XXX from XXX is not reflected on the bank Statements. Please provide evidence of receipt for XXX months. Please note that if the above information is provided, the DTI will be XXX%, which still exceeds guidelines.; Leases provided for XXX out of the XXX properties - please note that the lease that is labeled XXX is actually the lease for XXX. Still pending a copy of the lease for XXX and the most recent two months rent receipts or any other documentation that can support the omission for the XXX properties listed. | 03/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001049 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2025 | Resolved | FCRE4104 | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing explanation and supporting documentation for large deposits: $XXX dated XX/XX/XXXX, XXX dated XX/XX/XXXX and XXX dated XX/XX/XXXX from the business account #XXX. | Document Uploaded. | 02/20/2025 | The Audit Team has reviewed the lender's rebuttal and determined that the income is based on the bank Statements provided from XX/XX/XXXX through XX/XX/XXXX. The printout from XX/XX/XXXX was not utilized; therefore, the sources of funds for $XXX and $XXX do not need to be sourced. The large deposit of $XXXK has been deducted from the income calculation. No further documentation is required; the condition is resolved. | 02/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001049 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA Statement for the properties at XXX, XXX, XXX, XXX, XXX, XXX, XXX and XXX. If XXX, a LOE stating there are no HOA dues is required. | Document Uploaded. | 02/20/2025 | HOA Dues provided, condition resolved. | 02/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001049 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001049 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001050 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The third party valuation was provided. The appraisal is missing from the file. | Document found with condition XXX | 03/10/2025 | Third party valuation product provided within tolerance. | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001050 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Primary appraisal is missing | Document Uploaded. | 03/10/2025 | Appraisal is Present or is Waived; Appraisal is Present and is acceptable, condition resolved. | 03/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001050 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001050 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | XXXXX | 80001051 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001051 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001051 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | XXXXX | 80001052 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001052 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130 required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery or valid coc. The Lender credit decreased on the CD issued XX/XX/XXXX without a valid reason. This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. | 04/09/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001052 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | finding-2962 | Compliance | XXX 260 Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX 260 higher-priced mortgage loan test. (XXX 260, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001052 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The discount points increased on the CD issued XX/XX/XXXX without a valid reason. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. | 04/09/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 04/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001052 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001052 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | XXXXX | 80001054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing a 3rd party verification that the business is in existence, in good standing and active, dated within XXX business days prior to the note date as required per Guidelines. Please provide a third party verification from a third party, such as a CPA, regulatory agency, or the applicable licensing bureau, if possible; or by verifying a phone listing and address for the borrower's business using a telephone book, the internet, or directory assistance. The lender must document the source of the information obtained and the name and title of the lender's employee who completed the verification. | Updated business license provided | 03/18/2025 | Updated business license provided ; Borrower 1 3rd Party VOE Prior to Close Was Provided; exception resolved | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines According to the Uniform Underwriting and Transmittal Summary (XXX) , a XXX% expense factor was utilized to calculate the Borrower's qualifying income. Please clarify how this was determined. | Income Calculation provided | 03/18/2025 | Income calculation/lender used a conservative income expense ratio ; Income and Employment Meet Guidelines; exception resolved | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present Per Guidelines, the effective date of the commitment should be dated within XXX days of the signing of the note and the mortgage. The effective date of the preliminary report is XX/XX/XXXX, which is XXX days before the note date. Please provide an updated title report. | Supplemental Title provided | 03/18/2025 | Lender provided supplemental title report dated XX/XX/XXXX, finding resolved ; Title Document is fully Present; exception resolved | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per Lender's Guidelines, business funds may be an acceptable source of funds for down payment, closing cost and reserves, if one of the requirements is met: XXX) A letter from a CPA, Third Party Tax Preparer (excluding PTIN tax preparers) or the Borrower must be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business, XXX) The Balance Sheet completed by the Seller or XXX) Lender Cash Flow Analysis. Despite this, none of the requirements were met. | CPA provided | 03/18/2025 | Lender provided letter from CPA confirming use of funds will not negatively impact business, exception resolved | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The Appraiser was not checked against the exclusionary lists. | Fraud Report provided | 03/18/2025 | All Interested Parties Checked against Exclusionary Lists; exception resolved | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Fraud Report shows multiple uncleared alerts. All alerts must be addressed and cleared. | Fraud Report provided | 03/18/2025 | Updated Fraud report provided, all parties clear ; All Fraud Report Alerts have been cleared or None Exist; exception resolved | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1203 | Credit | Potential Fraud Reflected on Fraud Report | Potential Fraud Reflected on Fraud Report Fraud report indicates a potential undisclosed property located at XXX. Both the fraud and property report list the Borrower's name as one of the owners of the property. This property was not disclosed on the loan application, and the debt associated with it was not included in the calculation of the qualifying DTI. Please provide documentation to support this omission. | Property report provided | 03/18/2025 | Lender provided property reporting confirming transfer of XXX to a family trust, non borrower on XX/XX/XXXX. liability should not be considered in DTI, finding resolved ; exception resolved | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Please provide an income worksheet that details how the Borrower's income was calculated. | Income Calculation provided | 03/18/2025 | Income calculation received.. Lender used a conservative expense ratio of XXX%.. ; exception resolved | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | XXXXX | 80001054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |

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## Exhibit 99.4

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| **Loan Number** | **Seller Loan Number** | **Marketing ID** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** | **GSE Eligible Flag** | **AUS Decision System** | **ITIN Flag** | **Personal Guaranty Flag** |
| XXXXX | XXXXX | 80001001 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001002 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001003 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | 100.00 |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001004 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001005 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | Yes | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001006 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001007 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001008 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001009 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001010 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001011 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | Yes | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001012 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001013 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 50.00 |  |  |  | Yes | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001014 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001015 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001016 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001017 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001018 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001019 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001020 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | 100.00 |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | Yes | XX/XX/XXXX | XXX | XX/XX/XXXX | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | No |  |  | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001021 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX |  | No |  | No | Yes |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001022 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | Yes | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001023 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 51.00 | 49.00 |  |  | Yes | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001024 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | 43 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001026 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | Yes | XX/XX/XXXX | XXX | XX/XX/XXXX | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001027 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001028 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001029 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | Non-Warrantable | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001030 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 5/1 or 5/6 Mos ARM |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001031 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001032 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001033 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001034 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | Yes | XX/XX/XXXX | XXX | XX/XX/XXXX | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001035 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001036 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001037 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | Yes | XX/XX/XXXX | XXX | XX/XX/XXXX | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001038 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001039 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | Yes | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001040 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001041 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001042 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001043 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | No | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 | Yes |
| XXXXX | XXXXX | 80001045 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Written Verification of Employment | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  | 33.33 |  |  | No | No | XXX | Yes | 51 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001046 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | Yes | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001047 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | 5 - Stated, 2YRs Verified + CPA Letter |  | 3 - Stated, 3rd Party Verification |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | Yes | No | XXX | Yes | 65 | 0 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX | 1 - Not Stated Not Verified |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001048 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001049 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | Yes | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001050 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | Yes | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001051 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 3 | Business | 100.00 |  | 3 |  | 100.00 |  | Audited | 12 | Yes | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001052 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | 100.00 |  |  |  | Yes | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | Yes | XX/XX/XXXX | XXX | XX/XX/XXXX | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |
| XXXXX | XXXXX | 80001054 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business and Personal | 100.00 | 2 | 12 |  | 50.00 |  |  |  | No | No | XXX | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No | Manual Underwriting | 0 |  |

---

## Exhibit 99.4

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Original Loan Amount** |
| XXXXX | XXXXX | 80001001 | XXXXXX A |
| XXXXX | XXXXX | 80001002 | XXXXXX A |
| XXXXX | XXXXX | 80001003 | XXXXXX A |
| XXXXX | XXXXX | 80001004 | XXXXXX C A |
| XXXXX | XXXXX | 80001005 | XXXXXX C A B |
| XXXXX | XXXXX | 80001006 | XXXXXX D A |
| XXXXX | XXXXX | 80001007 | XXXXXX C A |
| XXXXX | XXXXX | 80001008 | XXXXXX A |
| XXXXX | XXXXX | 80001009 | XXXXXX C A D B |
| XXXXX | XXXXX | 80001010 | XXXXXX D A |
| XXXXX | XXXXX | 80001011 | XXXXXX C B D A |
| XXXXX | XXXXX | 80001012 | XXXXXX C A |
| XXXXX | XXXXX | 80001013 | XXXXXX D A C |
| XXXXX | XXXXX | 80001014 | XXXXXX D A B |
| XXXXX | XXXXX | 80001015 | XXXXXX B A |
| XXXXX | XXXXX | 80001016 | XXXXXX C A D |
| XXXXX | XXXXX | 80001017 | XXXXXX C A |
| XXXXX | XXXXX | 80001018 | XXXXXX C A D B |
| XXXXX | XXXXX | 80001019 | XXXXXX C D A |
| XXXXX | XXXXX | 80001020 | XXXXXX C A B |
| XXXXX | XXXXX | 80001021 | XXXXXX D A B |
| XXXXX | XXXXX | 80001022 | XXXXXX C A |
| XXXXX | XXXXX | 80001023 | XXXXXX A |
| XXXXX | XXXXX | 80001024 | XXXXXX A |
| XXXXX | XXXXX | 80001026 | XXXXXX D A |
| XXXXX | XXXXX | 80001027 | XXXXXX D A B |
| XXXXX | XXXXX | 80001028 | XXXXXX D A |
| XXXXX | XXXXX | 80001029 | XXXXXX C A B |
| XXXXX | XXXXX | 80001030 | XXXXXX D A C B |
| XXXXX | XXXXX | 80001031 | XXXXXX A |
| XXXXX | XXXXX | 80001032 | XXXXXX D A B |
| XXXXX | XXXXX | 80001033 | XXXXXX A |
| XXXXX | XXXXX | 80001034 | XXXXXX A |
| XXXXX | XXXXX | 80001035 | XXXXXX D A |
| XXXXX | XXXXX | 80001036 | XXXXXX C A |
| XXXXX | XXXXX | 80001037 | XXXXXX C A |
| XXXXX | XXXXX | 80001038 | XXXXXX C A |
| XXXXX | XXXXX | 80001039 | XXXXXX D A B |
| XXXXX | XXXXX | 80001040 | XXXXXX C A |
| XXXXX | XXXXX | 80001041 | XXXXXX D A C B |
| XXXXX | XXXXX | 80001042 | XXXXXX D A B |
| XXXXX | XXXXX | 80001043 | XXXXXX D A B |
| XXXXX | XXXXX | 80001045 | XXXXXX D C A B |
| XXXXX | XXXXX | 80001046 | XXXXXX D A C B |
| XXXXX | XXXXX | 80001047 | XXXXXX D A B |
| XXXXX | XXXXX | 80001048 | XXXXXX C A |
| XXXXX | XXXXX | 80001049 | XXXXXX D A B |
| XXXXX | XXXXX | 80001050 | XXXXXX A D |
| XXXXX | XXXXX | 80001051 | XXXXXX A |
| XXXXX | XXXXX | 80001052 | XXXXXX A C |
| XXXXX | XXXXX | 80001054 | XXXXXX D A |

---

## Exhibit 99.4

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXX | XXXXX | 80001001 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001002 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 80001003 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 70.0 | 70.0 |  |  |  |  | XXX | XXX | -.0714 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0714 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| XXXXX | XXXXX | 80001004 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXXXX | XXXXX | 80001005 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXXX | XXXXX | 80001006 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 29.13 | 29.13 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001007 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 | XXX | XXX | -.0443 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0443 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | XXXXX | 80001008 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001009 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 55.37 | 55.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| XXXXX | XXXXX | 80001010 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 55.0 | 55.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXXX | XXXXX | 80001011 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| XXXXX | XXXXX | 80001012 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001013 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 76.43 | 76.43 | XXX | XXX | -.1083 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XX/XX/XXXX | XXX | -10.82% | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001014 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 65.0 | 65.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001015 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 80001016 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001017 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.99 | 64.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 80001018 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| XXXXX | XXXXX | 80001019 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 80001020 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 80001021 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.99 | 79.99 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001022 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 80001023 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| XXXXX | XXXXX | 80001024 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001026 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001027 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| XXXXX | XXXXX | 80001028 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 60.0 | 60.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | XXXXX | 80001029 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 52.09 | 52.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 80001030 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001031 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 80001032 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 80001033 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 67.4 | 67.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 80001034 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001035 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.0 | 65.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XX/XX/XXXX | XXX | -1.60% | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| XXXXX | XXXXX | 80001036 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 28.78 | 28.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXXX | XXXXX | 80001037 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0909 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | XXXXX | 80001038 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001039 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| XXXXX | XXXXX | 80001040 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 48.18 | 48.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 80001041 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 39.22 | 39.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| XXXXX | XXXXX | 80001042 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXXX | XXXXX | 80001043 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 66.96 | 66.96 |  |  |  |  | XXX | XXX | -.0646 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0646 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 80001045 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.91 | 79.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 80001046 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | XXXXX | 80001047 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 | XXX | XXX | -.0574 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0574 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | XXXXX | 80001048 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| XXXXX | XXXXX | 80001049 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| XXXXX | XXXXX | 80001050 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| XXXXX | XXXXX | 80001051 | XX/XX/XXXX | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 80001052 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| XXXXX | XXXXX | 80001054 | XX/XX/XXXX | XXXXXX |  | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.4

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXX | XXXXX | 80001001 | Prepayment Penalty | XXX | XXX | Per PPP addendum to note |
| XXXXX | XXXXX | 80001001 | Lock Term (Days) | XXX | XXX | Compliance Issue |
| XXXXX | XXXXX | 80001010 | Number of Units | XXX | XXX | Per appraisal |
| XXXXX | XXXXX | 80001047 | Qualifying FICO | XXX | XXX | The primary wage earner, for consumer transactions, is the applicant who is paid the highest salary based on the employment and occupation information documented in the file. |
| XXXXX | XXXXX | 80001049 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender provided exception approval for review DTI of XXX%. Per guides the max DTI is XXX% and Approved for a DTI of XXX% using Comp Factor #XXX: Fico XXX. Comp Factor #XXX: LTV lower - XXX%. Comp Factor #XXX: Residual income at least $XXX a month was delivered. |
| XXXXX | XXXXX | 80001050 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial XXX. |
| XXXXX | XXXXX | 80001050 | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. |
| XXXXX | XXXXX | 80001052 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified the XX/XX/XXXX Initial with the LO signature on the initial XXX |
| XXXXX | XXXXX | 80001052 | Qualifying Total Debt Income Ratio | XXX | XXX | Verified the DTI of XXX% with the income and credit documentation in the loan file |
| XXXXX | XXXXX | 80001054 | Property Type | XXX | XXX | Per appraisal |
| XXXXX | XXXXX | 80001054 | Prepayment Penalty | XXX | XXX | Per PPP addendum to note |

---

## Exhibit 99.5

**Exhibit 99.5**

![](n5122_img001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

BRAVO 2025-NQM6

Dated: June 11, 2025

---

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

---

![](n5122_img003.jpg)

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by Loan Funding Structure VI LLC, (the "Client"). The Review was conducted via files imaged and provided by the client or its designee for review.

**Sample size of the assets reviewed.** 

The final population of the Review covered 26 loans, consisting of 3 Residential Loans and 23 Business Purpose loans, totaling an aggregate original principal balance of approximately $5,758,404.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

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

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

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

Evolve compared data provided by the Client and uploaded to the diligence system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available and applicable, included the following data fields:

---

| | | |
|:---|:---|:---|
| Amortization Type | Maturity Date | Property City |
| Appraised Value | Note Date | Property State |
| Doc Type | Occupancy | Property Street Address |
| DSCR | Original CLTV | Property Type |
| First Payment Date | Original Interest Rate | Property Zip |
| Index Type | Original Loan Amount | QM Status |
| Interest Only | Original LTV | Qualifying Credit Score |
| Lien Position | Original P&I | Qualifying DTI |
| Loan Purpose | Original Term | Sales Price |
| Margin | Prepayment Penalty | Self-Employment Flag |

---

**<u>Scope of Review</u>**

**<u>Document Review</u>**

For each Loan, Evolve 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

---

| | | |
|:---|:---|:---|
| ![](n5122_img002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](n5122_img003.jpg)

documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<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 if 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, Evolve 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***

 

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (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.

***Borrowing Entity***

 

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve 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***

 

Evolve 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.

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***Valuation Review***

 

Evolve'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. Evolve'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 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, Evolve'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 Evolve'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***

 

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve 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***

Evolve 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.

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***Title***

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

***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, Evolve 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>Limited Non-Owner Occupancy Certification Review</u>**

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

● Appraisal reports are reviewed in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner or tenant occupancy.

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

● Certification of Non-Owner Occupancy and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence address differs from the subject property address, and is signed/dated as required.

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

● Review additional items for confirmation of non-owner occupancy possibly including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o That the credit report address is different than the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is a lease in place if the loan is a refinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is landlord insurance on the property

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;23 | &nbsp;&nbsp;88.46% | &nbsp;&nbsp;23 | &nbsp;&nbsp;88.46% |
| **Total** | **26** | **100.00%** | **26** | **100.00%** |

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**Credit Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.15% | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| **Total** | **26** | **100.00%** | **26** | **100.00%** |

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**Property Valuation Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| **Total** | **26** | **100.00%** | **26** | **100.00%** |

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**Overall Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.15% | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| **Total** | **26** | **100.00%** | **26** | **100.00%** |

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**Data Results Summary**

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| | | | |
|:---|:---|:---|:---|
| **Field Label** | **# Loans with Discrepancy** | **Total Time Compared** | **% Variance** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;13 | &nbsp;&nbsp;26 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;26 | &nbsp;&nbsp;11.54% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;10 | &nbsp;&nbsp;26 | &nbsp;&nbsp;38.46% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;26 | &nbsp;&nbsp;34.62% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;26 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;26 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;26 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;5 | &nbsp;&nbsp;26 | &nbsp;&nbsp;19.23% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;15 | &nbsp;&nbsp;26 | &nbsp;&nbsp;57.69% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;23 | &nbsp;&nbsp;26 | &nbsp;&nbsp;88.46% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;11 | &nbsp;&nbsp;26 | &nbsp;&nbsp;42.31% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;16 | &nbsp;&nbsp;26 | &nbsp;&nbsp;61.54% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;10 | &nbsp;&nbsp;26 | &nbsp;&nbsp;38.46% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;26 | &nbsp;&nbsp;38.46% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;23 | &nbsp;&nbsp;26 | &nbsp;&nbsp;88.46% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;4 | &nbsp;&nbsp;26 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;15 | &nbsp;&nbsp;26 | &nbsp;&nbsp;57.69% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;5 | &nbsp;&nbsp;26 | &nbsp;&nbsp;19.23% |

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**APPENDIX A**

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

 ****

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's

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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 loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

 

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

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

 

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3)

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business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

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

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

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

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

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models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

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## Exhibit 99.5

![](evolve_logo.jpg)

**Rating Agency Grades**

**Run Date - 06/13/2025 10:46:31 AM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **LoanID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 572 | XXXXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 573 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 574 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 575 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 576 | XXXXXXXXX | XXXXXXX | XXXXXX B | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 577 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 579 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 580 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 581 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 582 | XXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 583 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 584 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 585 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 586 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 587 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 588 | XXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 589 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 590 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 591 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 592 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 593 | XXXXX | XXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 594 | XXXXXXX | XXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 597 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 598 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |

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## Exhibit 99.5

![](evolve_logo.jpg)

**Exception Detail**

**Run Date - 06/13/2025 10:46:31 AM**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 592 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7124795 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory XXXXXXXXX XXXXXXXX letter meeting XXXXXX XXXXXXXX XXXXXXXXXXXXX requirements | Title XXXXXXXXXXX provided. |  | Reviewer 01/23/2025 12:23 PM; Please provide the final XXXXXXXXXXXXXX XXXXXXXX XXXXXX<br>Client 01/28/2025 11:41 AM; The XXXX attachment is the email chain with the attorney regarding the XXXXX issue. XXX decided to remove the son XXXXXXXX to meet XXXXX guidelines. <br>XXXX XXXX attachment is showing the XXX is within compliance of the XXX fee limit for XXXXXXX XX highlighted for you. <br>XXXXXX is XXX separate attorney opinion letter for this. XXXXXXX review and clear suspense. <br>XX documents were uploaded on XXXXXX<br> XXXX XXXXXXXXXXXXX_XXXXXXXX_XXaX <br> XXXXXXX<br>Reviewer 01/28/2025 01:45 PM; Provide updated title removing son to meet XXXXX requirements.<br>Reviewer 01/28/2025 01:45 PM; Provide updated title removing son to meet XXXXX requirements.<br>Reviewer 01/28/2025 01:45 PM; Provide updated title removing son to meet XXXXX requirements.<br>Client 01/28/2025 04:47 PM; General XXXXXXXXX XXXXX was provided with initial closing package upload and has been reuploaded as: <br> XXXXXXXXXXXXX_XXXXXXXXXXX;<br>XXXXXXX re-review to clear condition. <br>Reviewer 01/28/2025 06:26 PM; Received general warranty XXXXX from XXXXXXXX to XXXXX and XXXXXXXXX XXXXXXXX title commitment or policy to reflect same.<br>Reviewer 01/29/2025 05:40 AM; <br>| 02/04/2025 |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 C A | A | A C |  | Non-QM | 1 |
| 592 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7124796 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CU score exceeds XXXXX - satisfactory second evaluation required | received XXX |  |  | 01/09/2025 |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 C A | A | A C |  | Non-QM | 1 |
| 581 | XXXXXXXXXX | XXXXXXXXXX | 7125129 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXXX XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXX for review. | Information provided |  |  | 01/14/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 581 | XXXXXXXXXX | XXXXXXXXXX | 7125130 | 496 | XXXXXXXXXX | Valuation | Appraisal |  | Appraisal - Compliance \ Appraisal - If "Subject to Completion"-a Completion Cert (form 442 or 1004D dated March 2005) & original photos is required |  | Please provide completion certificate for review. |  |  | Reviewer 01/23/2025 03:38 PM; Cert of occupancy will not clear def. XXXXX final inspection with photos<br>| 02/04/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 581 | XXXXXXXXXX | XXXXXXXXXX | 7125276 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan closed in an XXXXXX XXXX XXXX documents must be provided XXXXXXXXXX XXXXXXXXXXX XXXXXXXXX or XXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXX top operate in the state (if entity is formed in state other than where the business is being performed, XXXXXXXXXXX on all members with ownership of XXXX or more, and XXX | IRS XXXXXXX and XXXXXXXXX of XXXXXXXXXXXXX show borrower as XXXXXXXX |  |  | 01/13/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 581 | XXXXXXXXXX | XXXXXXXXXX | 7125277 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Insurance must be in the name of XXXXX XXXX XXXX in file is in an individual name. | HOI XXXXXXXXXXXX page XXXX reflects the XXXX name |  | Client 01/13/2025 03:47 PM; The name insured on the XXXX uploaded originally is in the name of XXXXXXXXXXX XXXXX<br>Reviewer 01/13/2025 04:35 PM; Condition has been reviewed. XXX<br>| 01/13/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 581 | XXXXXXXXXX | XXXXXXXXXX | 7125278 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification XXXXXXXXX lives at address listed on XXXXXX lives outside XXXXXXX required. XXXX utility bill in file does not match the address on the XXXX | Proof of address provided. |  |  | 01/27/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 581 | XXXXXXXXXX | XXXXXXXXXX | 7125280 | 258 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | XXX with photos missing from file. | Certificate of XXXXXXXXXX provided. XXXX pictures provided in the original appraisal did not appear to have any material issues. |  |  | 01/27/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 581 | XXXXXXXXXX | XXXXXXXXXX | 7125281 | 267 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Certificate of Occupancy |  | Cert of XXXXXXXXXX from XXXXXXX missing from file. | received XXX |  |  | 01/23/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 581 | XXXXXXXXXX | XXXXXXXXXX | 7125282 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from file | Loan XXXXXXXXX provided. |  |  | 01/13/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 581 | XXXXXXXXXX | XXXXXXXXXX | 7125283 | 318 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Source of Large Deposit |  | Large deposit XXXXXXXXXXXXX XXXXXXXXXXX not seasoned. XXXXXX must be seasoned for XXX days. XXXXXXXXX of XXX liquidation letter in file; however, XXX days seasoning not provided | Funds were transferred from seasoned account XXXXXXXX |  |  | 01/13/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 581 | XXXXXXXXXX | XXXXXXXXXX | 7125284 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Evidence sufficient funds to close on deposit with XXXXXX XXXXXXXX at least XX business days prior to close required. | Funds were sent to XXXXXX XXXXXXXX |  |  | 01/13/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 579 | XXXXXXXXXX | XXXXXXXXXX | 7127907 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXXX XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXXX | Documentation provided |  |  | 01/29/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 579 | XXXXXXXXXX | XXXXXXXXXX | 7127971 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Closed in XXXXX XXXXXXXXXXXXX XXXXXXXXXXXX XXXX a state of XXXXXXXX XXXXXX XXXXXXXXXXXXX evidence of XXXXXXXXX of XXXXXXXXXX confirming all owners of XXXX or more are borrowers, XXXX XXXX XXXXXXXX and signed XXXXXXXXXX XXXXXXXXXXXX XXXXXXXXX XXXX is in good standing at time of closing. - XXXXXXXXXX to meet XXXXX XXXXXXXX requirements | received XXXX # |  | Reviewer 01/29/2025 09:17 AM; Provide the XXXX XXXX number/ all other documents received.<br>| 01/31/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 579 | XXXXXXXXXX | XXXXXXXXXX | 7127972 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence of XXX # for both borrowers | Received XXXXX verifications |  | Reviewer 01/29/2025 09:18 AM; Did not receive verification of XXX #''''s for both borrowers<br>Reviewer 01/29/2025 12:17 PM; the document received is the XXXXXXX XXXXXXXXXXXXXX for XXXX to release the XXXX verification. XXX does not provide verification. <br>Reviewer 02/03/2025 03:43 PM; Provide verification of both borrowers'''' XXXXXXXXXX from the XXXXXXX XXXXXXXXX XXXXXXXXXXXXXX<br>| 02/07/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 576 | XXXXXXXXX | XXXXXXX | 7128091 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | no XXX score located, satisfactory second evaluation required | Acceptable XXXX provided. |  |  | 01/24/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 C A B | N/A | N/A C |  | Exempt | 1 |
| 576 | XXXXXXXXX | XXXXXXX | 7128946 | 957 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - First Payment Letter Missing or Incorrect |  | Please provide updated XXXXX payment letter reflecting the correct X | Information provided |  |  | 02/11/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 C A B | N/A | N/A C |  | Exempt | 1 |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | 7128309 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Title | The loan is not closing in any XXXX of any kind - the corrected insurance will be delivered with closing package. XXXXX be reviewed post-close |  | Client 01/28/2025 01:34 PM; Please be advised loan is not closing in any llc of any kind - the corrected insurance will be delivered with closing package. XXXXXX you for reviewing<br>Reviewer 01/28/2025 02:45 PM; <br>| 01/28/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | 7128617 | 387 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Hazard insurance to remove additional insured as XXXX XXXXXX XXXX as title holder | Revised XXXX provided. |  |  | 02/10/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 572 | XXXXXXXXX | XXXXXXX | 7129656 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | File is missing the XXXXXXXXXXX XXXXXXXX addendum. XXXXXXXXXX to the lock, the loan has XX XXX XXXXXX XXXXXXX confirm whether there is XXXXXXXXXXX XXXXXXXXX | Information provided |  |  | 03/03/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 583 | XXXXXXXXXX | XXXXXXXXXX | 7128908 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Seller concession exceeds XXX limit- deducted from XXX increased XXXX over XXXX per XXXXX agreement. | Seller contribution exceeds XXX of sale XXXXX limit. XXXXXXXXXX XX XXXXX = XXXXXXXXXXXX XXXXXXX contribution of XXXXXXXXXXX is subtracted from subject value XXXX XXXXX XXXXXXXXX XXXXXX resulting value $ XXXXXXXXXXXX XXX calculate collateral value for loan purposes XXXX is sellers submitted loan amount XXXXXXXX XXXXXXXXXXXX updated collateral - XXXXXXX see closing disclosure that reflects credit of XXXXXXXXXXX along with XXX of XXXXXXX |  | Client 02/11/2025 01:47 PM; Per findings report XXX is XXXXX however XXX on sales contract and appraisal is reflecting XXXXXXXX <br> XXXX XXXXXXX contribution exceeds XXX of sale XXXXX limit. XXXXXXXXXX XX XXXXX = XXXXXXXXXXXX XXXXXXX contribution of XXXXXXXXXXXXX is subtracted from subject value XXXX XXXXX XXXXXXXXX XXXXXX resulting value $ XXXXXXXXXXXX <br>XXX calculate collateral value for loan purposes <br> XXXX is sellers submitted loan amount XXXXXXXX XXXXXXXXXXXXX updated collateral <br> XXXX<br>Reviewer 02/12/2025 08:56 AM; <br>Reviewer 02/12/2025 08:56 AM; Provide updated rate lock repricing loan to XXXXXXX XXXX bucket. XXXX lender - XXXXXXX contribution of XXXXXXXXXXXXX is subtracted from subject value XXXX XXXXX XXXXXXXXX XXXXXX resulting value $ XXXXXXXXXXXX XXX calculate collateral value for loan purposes XXXX is sellers submitted loan amount XXXXXXXX XXXXXXXXXXXXX updated collateral XXXXXXX XXXX – XXXXXX to be repriced XXXXXX XXXX XXXXXX<br>Reviewer 02/12/2025 08:56 AM; Provide updated rate lock repricing loan to XXXXXXX XXXX bucket. XXXX lender - XXXXXXX contribution of XXXXXXXXXXXXX is subtracted from subject value XXXX XXXXX XXXXXXXXX XXXXXX resulting value $ XXXXXXXXXXXX XXX calculate collateral value for loan purposes XXXX is sellers submitted loan amount XXXXXXXX XXXXXXXXXXXXX updated collateral XXXXXXX XXXX – XXXXXX to be repriced XXXXXX XXXX XXXXXX<br>Client 02/12/2025 11:13 AM; XX,XXX.XXX XXXXXXX contribution exceeds XXX of sale XXXXX limit. XXXXXXXXXX XX XXXXX = XXXXXXXXXXXX XXXXXXX contribution of XXXXXXXXXXX is subtracted from subject value XXXX XXXXX XXXXXXXXX XXXXXX resulting value $ XXXXXXXXXXXX XXX calculate collateral value for loan purposes XXXX is sellers submitted loan amount XXXXXXXX XXXXXXXXXXXX updated collateral - XXXXXXX see closing disclosure that reflects credit of XXXXXXXXXXX along with XXX of XXXXXXXXX<br>Reviewer 02/12/2025 11:33 AM; <br>| 02/12/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 583 | XXXXXXXXXX | XXXXXXXXXX | 7128909 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | NPRA as XXXXX time homebuyer purchasing investment XXXXX program requires case by case loan exception |  | Exception approved to proceed as a XXXXXXX <br> XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXX XXXX <br> XXXXX score, XXXXXXXXXXXXX reserves after close <br> XXXXXXXXXXXXXX | Client 02/12/2025 03:54 PM; Per XXXXXX XX exception approved to proceed as XXXXX . XXXXX adding borrower is a us citizen (XXX passport is uploaded .<br>Reviewer 02/12/2025 05:53 PM; <br>|  |  | 02/12/2025 B | 2 | XXXXXXXXXX | XX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 583 | XXXXXXXXXX | XXXXXXXXXX | 7128910 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Final XXXXX to correct residency from XXXXXXXX to XXXX | received revised XXXX |  |  | 02/06/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 583 | XXXXXXXXXX | XXXXXXXXXX | 7128914 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Satisfactory evidence foreign funds used to close were received by title prior to closing. | Wire confirmation provided |  |  | 02/07/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 583 | XXXXXXXXXX | XXXXXXXXXX | 7128793 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXXXXX XXXXXXXXXX |  |  |  | 02/07/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 598 | XXXXXXXXXX | XXXXXXXXXX | 7129195 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide the initial application for review of borrower data and initial application date. | Information provided |  |  | 02/13/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A C |  | Exempt | 1 |
| 598 | XXXXXXXXXX | XXXXXXXXXX | 7129196 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  | Reviewer 02/13/2025 01:22 PM; ACRA lock was not provided<br>| 02/21/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A C |  | Exempt | 1 |
| 598 | XXXXXXXXXX | XXXXXXXXXX | 7129197 | 824 | XXXXXXXXXX | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  | Please provide the XXXXXX policy for review. | Information provided |  |  | 02/13/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A C |  | Exempt | 1 |
| 598 | XXXXXXXXXX | XXXXXXXXXX | 7129200 | 870 | XXXXXXXXXX | Credit | Appraisal |  | Appraisal - Other: |  | Please provide updated appraisal with the XXXXXXX corrected to XXXXXXX per legal description. | Information provided |  |  | 02/21/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A C |  | Exempt | 1 |
| 598 | XXXXXXXXXX | XXXXXXXXXX | 7129201 | 201 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Please provide the XXXXXXX policy for review. | Information provided |  |  | 02/12/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A C |  | Exempt | 1 |
| 598 | XXXXXXXXXX | XXXXXXXXXX | 7129454 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence of subject lease for XXXXXXX monthly | received lease for subject |  |  | 02/20/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A C |  | Exempt | 1 |
| 598 | XXXXXXXXXX | XXXXXXXXXX | 7129455 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CU not scored, satisfactory second evaluation required | Received XXX |  | Reviewer 02/20/2025 03:56 PM; The XXXXX XXX score was XXXXXX XXXXXXXX a XXXX collateral evaluation XXXXXXX XXXXXXXX<br>| 02/27/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A C |  | Exempt | 1 |
| 598 | XXXXXXXXXX | XXXXXXXXXX | 7129677 | 340 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | Missing proof of XX months XXXXXX XXXXX loss insurance | HOI received with coverage of XXX months business use. |  | Reviewer 02/11/2025 07:26 PM; Document received did not include rent loss insurance coverage for XX months XXXXXXXX<br>| 02/20/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A C |  | Exempt | 1 |
| 584 | XXXXXXXXXX | XXXXXXXXXX | 7129910 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan XXXXXXXXX missing from file. | Laon XXXXXXXXX provided. |  |  | 02/19/2025 |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 584 | XXXXXXXXXX | XXXXXXXXXX | 7129913 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DTI XXXXXXX exceeds guidelines. XXXXXX debt XXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX neg rent XXXXXXXXXXXXX other debt XXXXXXXXXXX XXXXXX income XXXXXXXXXXXXXX XXXXXX XXXXX and XXXXX reflect rental income for XXX XXX XXXXXX XXXXXX XXXXXXX and XXX XX XXXXX XXX not used to qualify. XXX rental income will be used to qualify, documentation for receipt of XXXXXXXXXXX months'''' rent required as properties are not listed on tax returns. XXXXXXXX of rents required per guidelines. | Revised XXXXX and XXXXX provided. |  |  | 02/28/2025 |  | A | 1 | XXXXXXXXXX | XX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 582 | XXXXXXXXX | XXXXXXXXXX | 7130195 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide the signed and dated XXXXXXXXXX XXXXXXXXXX for the XXXXXXXX XXXXXXXXXX XXXXXXXX for the entity in which title will be vested. XXXX copy provided in file is not signed. | Signed XXX provided. |  |  | 03/05/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 580 | XXXXXXXXXX | XXXXXXXXXX | 7130786 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from file. | Approval provided. |  |  | 03/04/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 580 | XXXXXXXXXX | XXXXXXXXXX | 7130787 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Cancelled check for deposit XXXXXX and XXXXX months'''' rent XXXXXXX missing from file. XXXXXX is a XXXX statement in file but unclear of rent. XXXXXX is a deposit for XXXXXXX but it is cash and not addressed. | Received XXX |  |  | 03/02/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 585 | XXXXXXXXXX | XXXXXXXXXX | 7132585 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan XXXXXXXXX missing from file. | Received loan approval |  |  | 03/06/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 585 | XXXXXXXXXX | XXXXXXXXXX | 7132586 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | HOI reflecting minimum XX months'''' rent loss missing from file. | received XXXX premium of XXXXXXX |  | Reviewer 03/04/2025 01:29 PM; HOI premium XXXXXXXXXXX or XXXXXXXXXXXX (amount used in XXXXX calculation)<br>| 03/06/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 585 | XXXXXXXXXX | XXXXXXXXXX | 7132589 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Date of loan modification with XXXXXX XXXXXXX not verified. XXXXX meet guidelines. | received modification dated XXXX |  |  | 03/06/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 585 | XXXXXXXXXX | XXXXXXXXXX | 7131230 | 201 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Please provide hazard policy for review. | Information provided |  |  | 03/06/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 594 | XXXXXXX | XXXXXXX | 7132642 | 1006 | XXXXXXXXXX | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | The complete loan approval and final XXXXX is missing from the loan file. | Received approval and XXXX |  |  | 03/05/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A |  | Exempt | 1 |
| 594 | XXXXXXX | XXXXXXX | 7132643 | 423 | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | An explanation of the discrepancy in gross living area between page XX of the appraisal reflecting XXXXX sqft and the XXXXX XXXXXXXXX reflecting XXXXX sqft was not provided on the appraisal. |  |  |  | 03/06/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A |  | Exempt | 1 |
| 594 | XXXXXXX | XXXXXXX | 7130878 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide initial application for proof of initial application date. | Information provided |  |  | 03/05/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A |  | Exempt | 1 |
| 594 | XXXXXXX | XXXXXXX | 7130879 | 869 | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - Other: |  | Please provide a legible flood certificate for review. | Information provided |  |  | 03/05/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A |  | Exempt | 1 |
| 594 | XXXXXXX | XXXXXXX | 7130880 | 219 | XXXXXXXXXX | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | HUD-X has a disbursement date of XXXXXXX XXXXXXX provide corrected final XXXXXX settlement statement for review. | Information provided |  |  | 03/05/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 3 D A | N/A | N/A |  | Exempt | 1 |
| 587 | XXXXXXXXXX | XXXXXXXXXX | 7132566 | 501 | XXXXXXXXXX | Compliance | Appraisal |  | Appraisal - Compliance \ Appraisal - Photos must be clear and legible, if not suspend |  | Appraisal is in black | Documentation provided |  |  | 03/06/2025 |  | A | 1 | XXXXXXXXXX | XX | 1 | 13 B A | B | A |  | Non-QM | 1 |
| 577 | XXXXXXXXX | XXXXXXXXX | 7133103 | 870 | XXXXXXXXXX | Credit | Appraisal |  | Appraisal - Other: |  | Please provide updated appraisal that reflects the correct city, XXXXXXXXX per note | Information provided |  |  | 03/11/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 577 | XXXXXXXXX | XXXXXXXXX | 7130843 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | FNMA XXX XXXXXX missing from file. XXX XXX score is > XXXXXX XXXX required. | CU XXXXXX XXXX |  |  | 03/10/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 589 | XXXXXXXXXX | XXXXXXXXXX | 7133276 | 319 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | Max contributions per guidelines of XXXXX XXXXX closed with XXX contributions. | After subtracting the excess contribution from the sale XXXXX, the resulting loan value of collateral is XXXXXXXXXX and XXXX is XXXXXXXXXX XXXXX is within the same pricing tier as the final, so no impact on pricing. |  | Client 03/11/2025 11:19 AM; After subtracting the excess contribution from the sale XXXXX, the resulting loan value of collateral is XXXXXXXXXX and XXXX is XXXXXXXXXX XXXXX is within the same pricing tier as the final, so no impact on pricing. XX revision of the XXXXX to correct the XXXX would be more accurate but will have no impact on the sellability of the loan. XXXXXXX waive this item.<br>Reviewer 03/11/2025 11:47 AM; Condition has been reviewed. XXX<br>| 03/11/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 589 | XXXXXXXXXX | XXXXXXXXXX | 7133109 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the lender''''s approval. | Information provided |  |  | 03/12/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 589 | XXXXXXXXXX | XXXXXXXXXX | 7133203 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final XXXXXXXXXXXX XXXXXXXXXXXXX XXXX | received XXXX |  | Reviewer 03/11/2025 08:20 PM; <br>| 03/11/2025 |  | A | 1 | XXXXXXXXXX | XX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |

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## Exhibit 99.5

![](evolve_logo.jpg)

**Valuation Report**

**Run Date - 06/13/2025 10:46:31 AM**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **LoanID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 572 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 573 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.6 |
| 574 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 575 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Excellent | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 576 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -6.96% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 577 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 579 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 580 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| 581 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 582 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 583 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 584 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 585 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 586 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 587 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 588 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 589 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 590 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 591 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 592 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.8 |
| 593 | XXXXX | XXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 594 | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Other | not graded | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.5 |
| 597 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 598 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXX | 9.17% | ClearCapital | 91 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.5

![](evolve_logo.jpg)

**Data Compare**

**Run Date - 06/13/2025 10:46:31 AM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **LoanID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 579 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXX | XXXXXXX | Verified |
| 579 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 579 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 579 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXX | Verified |
| 579 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 579 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 579 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 579 | XXXXXXXXXX | XXXXXXXXXX | Product Code | Full Doc | DSCR-Inv | Verified |
| 579 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD | Single Family | Verified |
| 579 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 580 | XXXXXXXXXX | XXXXXXXXXX | Amortization Type | 360 | Fixed | Verified |
| 580 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 580 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXX | Verified |
| 580 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 580 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 580 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 580 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 580 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXX | XXXXXXX | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.290 | 1.920 | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | Product Code | Full Doc | DSCR-Inv | Verified |
| 581 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 583 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXXX | Verified |
| 583 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 583 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 583 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 583 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD-Detached | PUD-Attached | Verified |
| 583 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 584 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 584 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 584 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 584 | XXXXXXXXXX | XXXXXXXXXX | Property Type | Condominium | Condo-Hi >8 Stories | Verified |
| 584 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI |  | 0.49249 | Verified |
| 585 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 585 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXXX | Verified |
| 585 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 585 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 585 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 585 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 586 | XXXXXXXXXX | XXXXXXXXXX | DSCR |  | 1.070 | Verified |
| 586 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 586 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 586 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 586 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 586 | XXXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 586 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 587 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 587 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Bank Statement | Verified |
| 587 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 587 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 587 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | NP30F | Verified |
| 587 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD-Attached | PUD-Detached | Verified |
| 587 | XXXXXXXXXX | XXXXXXXXXX | QM Status | QM Safe Harbor | Non-QM | Verified |
| 587 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 44.20500 | 0.45845 | Verified |
| 589 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXX | XXXXXXX | Verified |
| 589 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.108 | 1.250 | Verified |
| 589 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 589 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 589 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 589 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 589 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 589 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 589 | XXXXXXXXXX | XXXXXXXXXX | Product Code | Full Doc | DSCR-Inv | Verified |
| 589 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD | PUD-Detached | Verified |
| 589 | XXXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 589 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 591 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 591 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 591 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 591 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 592 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Loan Purpose | Cashout | Refinance - Cash Out | Verified |
| 592 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 592 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 592 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 592 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Product Code | WVOE | NP30F | Verified |
| 592 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 593 | XXXXX | XXXXX | DSCR | 1.711 | 1.820 | Verified |
| 593 | XXXXX | XXXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 593 | XXXXX | XXXXX | Original P&I |  | XXXXXXX | Verified |
| 593 | XXXXX | XXXXX | PITI |  | XXXXXX | Verified |
| 593 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 594 | XXXXXXX | XXXXXXX | Loan Purpose | Refinance - Cash Out | Refinance (Refi) No - Limited Cash Out | Verified |
| 594 | XXXXXXX | XXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 594 | XXXXXXX | XXXXXXX | PITI |  | XXXXXXXX | Verified |
| 594 | XXXXXXX | XXXXXXX | Prepayment Penalty |  | Y | Verified |
| 594 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 594 | XXXXXXX | XXXXXXX | Property Zip | XXXX | XXXXX | Verified |
| 594 | XXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 594 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 594 | XXXXXXX | XXXXXXX | Self-Employment Flag |  | N | Verified |
| 598 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 598 | XXXXXXXXXX | XXXXXXXXXX | Index Type | 0 |  | Verified |
| 598 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 598 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXX | Verified |
| 598 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 598 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 598 | XXXXXXXXXX | XXXXXXXXXX | Product Code | CSC30F3Y5%PP | DSCR-Inv | Verified |
| 598 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 598 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 572 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 572 | XXXXXXXXX | XXXXXXX | DSCR | 1.165 | 1.100 | Verified |
| 572 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 572 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 572 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 572 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 572 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 572 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 572 | XXXXXXXXX | XXXXXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 572 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 572 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 573 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 573 | XXXXXXXXX | XXXXXXX | DSCR | 0.822 | 0.900 | Verified |
| 573 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 573 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 573 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 573 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 573 | XXXXXXXXX | XXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 573 | XXXXXXXXX | XXXXXXX | Property Type | Planned Unit Development | PUD-Attached | Verified |
| 573 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 573 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 574 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 574 | XXXXXXXXX | XXXXXXX | DSCR | 0.825 | 0.970 | Verified |
| 574 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 574 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 574 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 574 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 574 | XXXXXXXXX | XXXXXXX | Property Type | Condo | Condo-Hi >8 Stories | Verified |
| 574 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 574 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 575 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 575 | XXXXXXXXX | XXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 575 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 575 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 575 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 575 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 575 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 575 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 575 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 575 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 576 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 576 | XXXXXXXXX | XXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 576 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 576 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 576 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 576 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 576 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 576 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 576 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 577 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 577 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 577 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 577 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 577 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 577 | XXXXXXXXX | XXXXXXXXX | Property City | XXXXXXX | XXXXXXX | Verified |
| 577 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 577 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 582 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 582 | XXXXXXXXX | XXXXXXXXXX | Doc Type |  | Debt Service Coverage | Verified |
| 582 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 582 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 582 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 582 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 582 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 582 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 582 | XXXXXXXXX | XXXXXXXXXX | Property City | XXXXXXX | XXXXXXX | Verified |
| 582 | XXXXXXXXX | XXXXXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 582 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 582 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 588 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 588 | XXXXXXXXX | XXXXXXXXXX | DSCR | 1.047 | 1.010 | Verified |
| 588 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 588 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 588 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 588 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 588 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 588 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 588 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 590 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 590 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 590 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 590 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 590 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 590 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | DSCR | 2.968 | 1.900 | Verified |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | Original Interest Rate | XXXXX | XXXXX | Verified |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | Original P&I | XXXXXXX | XXXXXXX | Verified |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXX |  | Verified |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 597 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 597 | XXXXXXXXX | XXXXXXXXXXX | DSCR | 1.171 | 1.150 | Verified |
| 597 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXXXXX | Verified |
| 597 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 597 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 597 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 597 | XXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type | Term | Hard | Verified |
| 597 | XXXXXXXXX | XXXXXXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 597 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 597 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |

---

## Exhibit 99.5

![](evolve_logo.jpg)

**QM ATR Data**

**Run Date - 06/13/2025 10:46:31 AM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 572 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 573 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 574 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 575 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 576 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 577 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 579 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 580 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 581 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 582 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 583 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | B-1 Visa |  |  | No |  |
| 584 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | XXXX | 8.508% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $16858.24 |
| 585 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 586 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 587 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $4516.60 | XXXX | 8.121% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $2741.26 |
| 588 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 589 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 590 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 591 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 592 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $3573.55 | XXXX | 9.059% | Employed |  | US Citizen |  |  |  | Yes | $5090.16 |
| 593 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 594 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 597 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 598 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XXXX | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.5

![](evolve_logo.jpg)

**Business Purpose Data**

**Run Date - 06/13/2025 10:46:31 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **Default Rate** |
| 572 | XXXXXXXXX | XXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 1.1 | 1.1 | $1359.88 |  |  |  | Yes | $20000.00 |  | YES | XXXX | XXXX | $79.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 142 | 2 | US Citizen |  | 740 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 1 | 1969 | 1056 | 2 | 1.1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 573 | XXXXXXXXX | XXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1200 | 0.9 | 0.9 | $1338.93 |  |  |  | Yes | $24300.00 |  | YES | XXXX | XXXX | $91.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 22 | 31 | US Citizen |  | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 1 | 1978 | 1028 | 2 | 1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 574 | XXXXXXXXX | XXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 0.97 | 0.97 | $2878.78 |  |  |  | Yes | $16800.00 |  | YES | XXXX | XXXX | $209.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 1 | 25 | US Citizen |  | 706 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 1 | 1971 | 1221 | 2 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 575 | XXXXXXXXX | XXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Foreign National | XXXX | Debt Service Coverage | Yes | Yes | $1750.00 | $1750.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1750 | 1.25 | 1.25 | $1405.02 | XXXX | 12 | No | Yes | $26000.00 |  | NO | XXXX | XXXX | $228.49 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Experienced | 96 | 15 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Full | XXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXXX | XXXXXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXX | 1 | 1935 | 1650 | 5 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX | FALSE |  |
| 576 | XXXXXXXXX | XXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Foreign National | XXXX | Debt Service Coverage | Yes | Yes | $2100.00 | $2200.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2100 | 1.15 | 1.15 | $1826.20 | XXXX | 12 | No | Yes | $25400.00 |  | NO | XXXX | XXXX | $191.23 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Experienced | 101 | 2 |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Full | XXXXX | XXXXXX |  |  | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXX | 1 | 1978 | 1276 | 3 | 2 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX | FALSE |  |
| 577 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXXXX | XXXXXXX | AC30YrFx Citadel Non Conforming 30 | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2150.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2150 | 1.07 | 1.07 | $2005.22 |  |  |  | Yes | $0.00 | Yes | YES | XXXX | XXXX | $30.83 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 4 | 20 | US Citizen |  | 698 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 1 | 1982 | 1091 | 1 | 1 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 579 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | Yes | $3500.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 1.08 | 1.08 | $2214.93 | XXXX | 12 | No | Yes | $33500.00 |  | NO | XXXX | XXXX | $128.28 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 0 | 1 | US Citizen | US Citizen | 737 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Full | XXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 737 | 748 | 726 | XXXXXXX | XXXXXXXXXXXXXXX |  | US Citizen | Stated, Verified | 699 | 706 | 717 | Not Required | Not Required | XXXXXXXX |  | XXXXXXX | 1 | 2023 | 1631 | 4 | 2 | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX | FALSE |  |
| 580 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | Yes | $1250.00 | $1391.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1250 | 1.01 | 1.01 | $1243.30 | XXXX | 24 | No | Yes | $16000.00 |  | NO | XXXX | XXXX | $168.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 91 | 27 | US Citizen |  | 704 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXX | 1 | 2024 | 720 | 1 | 1 | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 581 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3869.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3869 | 1.92 | 1.92 | $2012.46 |  |  |  | Yes | $36100.00 |  | YES | XXXX | XXXX | $127.76 | Stated, Verified | NO | 1 | 2 |  | Yes | No | Inexperienced | 34 | 10 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Full | XXXXXXXX | XXXXXXXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 1 | 2024 | 1855 | 4 | 2 | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX | FALSE |  |
| 582 | XXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | AC30YrFx Citadel Non Conforming 30 | XXXX | Debt Service Coverage | Yes | Yes | $4000.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3500 | 0.94 | 0.94 | $3732.18 | XXXX | 12 | No | Yes | $54700.00 |  | YES | XXXX | XXXX | $166.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 13 | 3 | US Citizen |  | 743 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Full | XXXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 781 | 724 | 743 |  |  |  |  | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX |  | XXXXXXX | 1 | 1957 | 1800 | 3 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX | FALSE |  |
| 583 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2100 | 1.06 | 1.06 | $1972.98 |  |  |  | Yes | $33000.00 |  | YES | XXXX | XXXX | $73.16 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 10 | 3 | Non Permanent Resident Alien |  | 748 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 1 | 2024 | 1798 | 3 | 2.1 | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 585 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $5300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 5300 | 1.03 | 1.03 | $5138.87 |  |  |  | No |  |  | NO | XXXX | XXXX | $94.18 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 64 | 17 | US Citizen |  | 757 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXX | 1 | 1911 | 1971 | 6 | 2 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 586 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2900 | 1.07 | 1.07 | $2715.27 |  |  |  | Yes | $0.00 | Yes | YES | XXXX | XXXX | $264.91 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 5 | 0.3 | US Citizen |  | 740 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 1 | 2011 | 1942 | 3 | 2.1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 588 | XXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | AC30YrFx Citadel Non Conforming 30 | XXXX | Debt Service Coverage | Yes | Yes | $3200.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3100 | 1.01 | 1.01 | $3082.10 | XXXX | 12 | No | Yes | $50600.00 |  | NO | XXXX | XXXX | $230.50 | Not Stated, not Verified | NO | 1 | 3 |  | No | No | Experienced | 49 | 3.8 | US Citizen |  | 738 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXX | 1 | 1938 | 988 | 3 | 1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 589 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1.25 | 1.25 | $1764.16 |  |  |  | Yes | $34300.00 |  | YES | XXXX | XXXX | $98.32 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 80 | 5 | Permanent Resident Alien |  | 695 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 1 | 2024 | 1940 | 4 | 2 | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 590 | XXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | Yes | $2175.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.62 | 1.62 | $1170.16 | XXXX | 11 | Yes | Yes | $50000.00 |  | NO | XXXX | XXXX | $224.50 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 1 | 2 | US Citizen |  | 719 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 2 | 1907 | 2611 | 4 | 2 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 591 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2150.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2150 | 0.92 | 0.92 | $2329.43 |  |  |  | Yes | $56000.00 |  | NO | XXXX | XXXX | $249.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 5 | 14 | Permanent Resident Alien |  | 811 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 1 | 1981 | 1600 | 3 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 593 | XXXXX | XXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1800 | 1.82 | 1.82 | $989.70 |  |  |  | Yes | $30000.00 |  | NO | XXXX | XXXX | $160.67 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 31 | 5.3 | US Citizen |  | 721 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Full | XXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 702 | 721 | 721 |  |  |  |  |  |  |  |  | Employed |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 2 | 1893 | 1540 | 4 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX | FALSE |  |
| 594 | XXXXXXX | XXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | Yes | $3200.00 | $3150.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3150 | 1.03 | 1.03 | $3066.36 | XXXX | 12 |  | Yes | $19200.00 |  | NO | XXXX | XXXX | $165.20 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 3 | 6 | US Citizen |  | 705 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Full | XXXXXXX | XXXXXXXXXXXXX |  | US Citizen | Stated, Verified | 702 | 705 | 706 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXX | 1 | 1930 | 1293 | 3 | 2 | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX | FALSE |  |
| 595 | XXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | Yes | $2425.00 | $2425.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1700 | 1.9 | 1.9 | $892.90 | XXXX | 12 | No | Yes | $15000.00 |  | NO | XXXX | XXXX | $52.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 95 | 4 | US Citizen |  | 746 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Full | XXXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 746 | 763 | 735 |  |  |  |  |  |  |  |  | Employed |  | XXXXXXXX |  | XXXXXXX | 3 | 1915 | 2445 | 4 | 3 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX | FALSE |  |
| 596 | XXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1350 | 1.09 | 1.09 | $1240.06 |  |  |  | Yes | $20000.00 |  | NO | XXXX | XXXX | $63.00 | Stated, Verified | NO | 1 | 18 |  | No | No | Experienced | 95 | 21 | US Citizen |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 1 | 2023 | 1357 | 3 | 2 | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 597 | XXXXXXXXX | XXXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | AC30YrFx Citadel Non Conforming 30 | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 1.15 | 1.15 | $2787.75 |  |  |  | Yes | $91800.00 |  | YES | XXXX | XXXX | $171.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 42 | 2 | US Citizen |  | 792 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXXX | XXXXXXX | 1 | 2005 | 3692 | 5 | 4.2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |
| 598 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXX | XXXXXXX | DSCR- Investor NOO | XXXX | Debt Service Coverage | Yes | Yes | $1750.00 | $2050.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1750 | 1.03 | 1.03 | $1702.36 | XXXX | 12 | No | Yes | $0.00 | Yes | NO | XXXX | XXXX | $188.44 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 0 | 2 | US Citizen |  | 696 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXX | 1 | 1979 | 1011 | 2 | 1 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |

---

## Exhibit 99.6

**Exhibit 99.6** 

**Se** **lene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")**

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

**DESCRIPTION OF SERVICES:**

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

Selene New Diligence Advisors LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Loan Funding Structure VI LLC ("Client"). The review was conducted between December 2024 and April 2025 via files imaged and provided for review (the "Review").

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 30 Non-QM and 4 ATR-QM exempt loans for a total of 34 loans the "Final Securitization Population").

*<u>Cr</u> <u>edit Reviews (34):</u>*

During the Review, Selene performed a credit review on 34 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (34)</u>*

During the Review, Selene performed a compliance review on 34 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (34):</u>*

During the Review, Selene performed a property valuation review on 34 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (34):</u>*

During the Review, Selene performed a Data Integrity Review on 34 mortgage loans in the Final Securitization

Population.

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 34 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;34 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;34 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;34 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;34 | &nbsp;&nbsp;100% |

---

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

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

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

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

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

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

**<u>G</u>** **<u>UIDELINES</u>**

CORE Credit Guideline eXpert Enhanced, Kind Lending Non-Agency Program Guidelines, LoanStream One Guide (collectively the "Guidelines")

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

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

Page 2 of **16**

**<u>S</u>** **<u>COPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

**CREDIT REVIEW**

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

● Assessed whet h er the ch a r act e rist i cs o f the mo r tga g e l o a n s a n d the b o r r o w ers c on f o r m ed t o the G u i d eli n es c i t e d a b o v e;

● R e -calc u la t ed L TV, C L TV, i n c o m e, lia b ilit i es a n d c o m p a red the s e a g ai n st the G u i d e li n es;

● A n alyzed asset s t at e m e n ts to d e t er m i n e whet h er f und s to c l o se a n d res e r v e s w e r e within t h e Gu i d eli n es;

● C o n fi rm ed that cred i t s c o r es (F I CO) and cred i t his t o r i es w ere within t h e Gu i d eli n es.

**COMPLIANCE REVIEW**

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

**PROPERTY VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **O** **riginal Appraisal Assessment**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Va** **lue Supported Analysis**

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

Page 3 of **16**

**DATA INTEGRITY REVIEW**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Discrepancies found during comparison are stored and reported.

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

**<u>S</u>** **<u>UMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 34 mortgage loans, (ii) a Compliance Review on 34 mortgage loans (iii) a Valuation Review on 34 mortgage loans, and (iv) a Data Integrity Review on 34 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 34 mortgage loans; 30 mortgage loans had a rating grade of A, 4 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | |  | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (34 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (34 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (34 overall loans):***<br> **** |  |  |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;14.71% | &nbsp;&nbsp;A | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;88.24% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.94% | &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;11.76% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;23.53% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;58.82% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page 4 of **16**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ****<br> ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** |
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;33 | &nbsp;&nbsp;33 | &nbsp;&nbsp;97.06% | &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;31 | &nbsp;&nbsp;91.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.94% | &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;8.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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

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

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

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

Page 5 of **16**

limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given

rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are

designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>T</u>** **<u>HIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page 6 of **16**

**APPENDIX A – CREDIT REVIEW SCOPE**

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

**Credit Application**

For the Credit Application, Selene verified whether:

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

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

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

**Credit Report**

Selene verified:

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

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

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

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

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

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

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

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

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

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

**Employment and Income**

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

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

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

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

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

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

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

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

Page 7 of **16**

**Asset Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

Page 8 of **16**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Page 9 of **16**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <br> ii) review relevant document to determine if there was dual compensation; and

Page 10 of **16**

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator organization
 and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security
 instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 4.0, as may be updated from time to time.

Page 11 of **16**

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page 12 of **16**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration<br>
Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

Page 13 of **16**

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX Home Loan and High Cost Home Loan Act

Page 14 of **16**

&nbsp;&nbsp;&nbsp;&nbsp;69. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI Responsible High Cost Mortgage Lending Act

Page 15 of **16**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The i nd ivid u als p er f o r m i n g
the a f o r e m ent i o n ed o ri g i n al
a pp ra i sal a sses s m ent a re n o t p er s o n s p r ov i d i n g v al u at i o n s f o r p u r p o ses o f t h e U n i f o r m S t a nd ar d s o f P r o f ess i o n al A pp ra i sal P r a cti c e
(" U S P A P ") o r n e c essari l y
l i c ensed as a pp ra i se r s und er Fe d eral o r S t ate l a w,
a n d t h e se r v ices b ei n g p erf o r m ed b y such p ers on s d o no t c o n st i tute " a pp ra i sal
r e v i e w s " f o r pu r p o s es o f U S P A P o r Fe d eral o r
Sta t e l a w.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene m akes no r epre s enta t i o n o r w ar r a n ty a s t o t h e v al u e o f
any m o rtg ag ed
p r op ert y , n o t w i thsta nd i n g t h at Selene m ay ha v e r e v i e w e d v al u at i o n
in f o r m at i o n f o r r eas o n a b le n es s .

o Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on

the actual value of the underlying property.

● Selene is n o t a 'cred i t o r' wit h in t h e m ean in g o f ECOA o r o ther l en d i n g laws a n d r e g u lati o n s, and there f o re Selene will n o t ha v e a n y c om m un icat i o n w ith o r r e sponsi b ility t o any in d ivid u al c o n su m er c o n c ern in g pro p erty v al u at i on .

● Selene do es no t c o n fi r m w h e ther the ap p ra i ser is o n the Fred d ie M ac exclusionary list.

Page 16 of **16**

## Exhibit 99.6

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 621 |  | XXXX | XXXX A C |
| 622 |  | XXXX | XXXX B A |
| 624 |  | XXXX | XXXX C A B |
| 625 |  | XXXX | XXXX D C A |
| 626 |  | XXXX | XXXX D A |
| 627 |  | XXXX | XXXX A |
| 628 |  | XXXX | XXXX D A |
| 629 |  | XXXX | XXXX A |
| 630 |  | XXXX | XXXX D A |
| 631 |  | XXXX | XXXX A |
| 632 |  | XXXX | XXXX D A |
| 633 |  | XXXX | XXXX A |
| 635 |  | XXXX | XXXX A |
| 636 |  | XXXX | XXXX C A |
| 637 |  | XXXX | XXXX C A |
| 638 |  | XXXX | XXXX D A C |
| 639 |  | XXXX | XXXX D A |
| 640 |  | XXXX | XXXX D C A |
| 641 |  | XXXX | XXXX C A B |
| 642 |  | XXXX | XXXX D A |
| 644 |  | XXXX | XXXX D C A |
| 645 |  | XXXX | XXXX D A |
| 646 |  | XXXX | XXXX C A |
| 647 |  | XXXX | XXXX D A |
| 648 |  | XXXX | XXXX C A |
| 649 |  | XXXX | XXXX D A |
| 650 |  | XXXX | XXXX C D A |
| 651 |  | XXXX | XXXX D A |
| 652 |  | XXXX | XXXX C A |
| 653 |  | XXXX | XXXX C A D |
| 654 |  | XXXX | XXXX D C A |
| 656 |  | XXXX | XXXX A D C B |
| 657 |  | XXXX | XXXX C A D |
| 658 |  | XXXX | XXXX D A |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 621 |  |  | Closed | 2024-12-24 07:50 | 2025-01-06 20:38 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved-Received PCCD, finding resolved - Due Diligence Vendor-01/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/02/2025 <br> Open-Property Located in XXXX State missing PCCD Doc in file. - Due Diligence Vendor-12/24/2024 |  | Resolved-Received PCCD, finding resolved - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3073731 | N/A | N/A |
| XXXX | 622 |  |  | Closed | 2025-01-03 21:37 | 2025-01-03 21:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception made for 6 months title seasoning - Due Diligence Vendor-01/03/2025 |  | Waived-Loan does not conform to program guidelines Exception made for 6 months title seasoning - Due Diligence Vendor-01/03/2025<br>|  |  | Residual Income is $86628.97. Minimum Residual Income required per guidelines is $1500. <br> DTI is 18.98%. Maximum allowed per guidelines is 50%. | XXXX | Primary Residence | Refinance | Cash Out - Other | 3137360 | Originator Pre-Close | Yes |
| XXXX | 624 |  |  | Closed | 2025-02-25 15:07 | 2025-03-07 13:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-• Non-QM Exception Request form received for not meeting the 6 months reserves. Form states it was approved by "XXXX." Then an email chain received with XXXX stating the exception has been approved when moved to XXXX credit grade.<br>• "This is a Purchase transaction. Requesting an exception for 1.5 months of reserves. Borrower has $16,686.92 in reserves and $20,115.84 are required. Borrower is short 1.5 months of reserves. Borrower has $87,087.00 verified assets. 6 months of reserves are required at 85% LTV, borrower is just shy at 4.5 months." - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Seller-03/06/2025 <br> Counter-Email chain for an exception approval received. However, the actual Exception Approval Form is missing. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. Exception made for reserves - Seller-03/06/2025 <br> Open-• Borrower has a total of $XXXX in assets. Gift funds of $20,000 were received in Escrow & applied to the Final CD, leaving $44,201.59 for Cash to Close. This would leave $19,983.17 remaining in post-close assets for reserves. Reserves needed are 6 months PITIA for an LTV of 85%: $3,352.64 x 6 = $20,115.84 needed in reserves. Therefore, the loan would be short $132.67 in having the 6 months reserves. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-03/06/2025 <br>Ready for Review-Document Uploaded. Exception made for reserves - Seller-03/06/2025<br>| Waived-• Non-QM Exception Request form received for not meeting the 6 months reserves. Form states it was approved by "XXXX." Then an email chain received with XXXX stating the exception has been approved when moved to the A+ program credit grade.<br>• "This is a Purchase transaction. Requesting an exception for 1.5 months of reserves. Borrower has $16,686.92 in reserves and $20,115.84 are required. Borrower is short 1.5 months of reserves. Borrower has $87,087.00 verified assets. 6 months of reserves are required at 85% LTV, borrower is just shy at 4.5 months." - Due Diligence Vendor-03/07/2025 | XXXX |  | (1) On the job, self-employed, for over 2 years.<br> (2) Strong income ($9,362.18 monthly, 35.8112% Housing Ratio).<br> (3) Minimal debt ($718 in credit debt).<br> (4) Strong FICO (766 FICO vs 740 guideline).<br> (5) Credit History (0x30x50months). | XXXX | Primary Residence | Purchase | NA | 3475854 | Originator Pre-Close | Yes |
| XXXX | 625 |  |  | Closed | 2025-03-10 15:27 | 2025-03-27 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. Final 1003 was incorrect. U/W update current residence to XXXX, XXXX AND VOR is also attached. - Seller-03/12/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. Missing VOR. Requesting 12 month Verification of Rental History XXXX $XXXX month. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. Final 1003 was incorrect. U/W update current residence to XXXX, MA XXXX AND VOR is also attached. - Seller-03/12/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3570015 | N/A | N/A |
| XXXX | 625 |  |  | Closed | 2025-03-12 14:11 | 2025-03-26 20:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Initial 1003 showed monthly obligation $XXXX for Alimony. Final 1003 Alimony obligation $XXXX, Child Support obligation $XXXX without supporting documentation. <br> Uploaded Child Support order and 1003/1008 removing Alimony obligation, Child Support obligation $XXXX. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. UPdated 1003 and 1008 attached removing the alimony , please review. - Seller-03/25/2025 <br> Counter-Requesting source document and/or information how 1008 and Final 1003 shows Child Support and Alimony Support included DTI. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. New 1003 and new 1008 attached. Per the borrower, he only has Child support, and documents are in file. please review. - Seller-03/20/2025 <br> Open-Final 1003 and 1008 include Child Support $XXXX and Alimony $XXXX. <br> Received Child support paternity order $XXXX month. <br> Requesting copy divorce decree Alimony $XXXX month. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. UPdated 1003 and 1008 attached removing the alimony , please review. - Seller-03/25/2025 <br>Ready for Review-Document Uploaded. New 1003 and new 1008 attached. Per the borrower, he only has Child support, and documents are in file. please review. - Seller-03/20/2025<br>| Resolved-Initial 1003 showed monthly obligation $XXXX for Alimony. Final 1003 Alimony obligation $XXXX, Child Support obligation $XXXX without supporting documentation. <br> Uploaded Child Support order and 1003/1008 removing Alimony obligation, Child Support obligation $XXXX. - Due Diligence Vendor-03/26/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3590652 | N/A | N/A |
| XXXX | 625 |  |  | Closed | 2025-03-07 06:49 | 2025-03-24 15:01 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan | Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with 12 CFR 1026.35 constitutes compliance with 209 CMR 32.35. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's (9.341%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the (6.87%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35; 12 CFR 1026.35(a)(1)) Appraisal Document is Missing. "This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 437 and the Final Closing disclosure on Pg#'s 253, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 451. An interior and exterior appraisal was completed for this property – missing, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 647, and confirmation the appraisal was delivered to the borrower – see Pg#'s 591, and HPML Page # 444. - Due Diligence Vendor-03/24/2025 <br>Ready for Review-please review now that appraisal is in file, and cleared. TY - Seller-03/20/2025 <br>Open-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with 12 CFR 1026.35 constitutes compliance with 209 CMR 32.35. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's (9.341%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the (6.87%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35; 12 CFR 1026.35(a)(1)) Appraisal Document is Missing.<br>"This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 437 and the Final Closing disclosure on Pg#'s 253, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 451. An interior and exterior appraisal was completed for this property – missing, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 647, and confirmation the appraisal was delivered to the borrower – see Pg#'s 591, and HPML Page # 444. - Due Diligence Vendor-03/07/2025 | Ready for Review-please review now that appraisal is in file, and cleared. TY - Seller-03/20/2025<br>| Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with 12 CFR 1026.35 constitutes compliance with 209 CMR 32.35. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's (9.341%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the (6.87%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35; 12 CFR 1026.35(a)(1)) Appraisal Document is Missing. "This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 437 and the Final Closing disclosure on Pg#'s 253, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 451. An interior and exterior appraisal was completed for this property – missing, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 647, and confirmation the appraisal was delivered to the borrower – see Pg#'s 591, and HPML Page # 444. - Due Diligence Vendor-03/24/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3552044 | N/A | N/A |
| XXXX | 625 |  |  | Closed | 2025-03-07 11:39 | 2025-03-12 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Child support order/judgement of paternity XXXX $XXXX month. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/10/2025 <br> Open-As per the 1003 we have the Alimony $XXXX but we don't have the proof of documentation, Provide the Alimony proof of document. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025<br>| Resolved-Child support order/judgement of paternity XXXX $XXXX month. - Due Diligence Vendor-03/12/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3552934 | N/A | N/A |
| XXXX | 625 |  |  | Closed | 2025-03-07 07:12 | 2025-03-11 09:00 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/10/2025 <br>Open-Lender Approval Form is Missing. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025<br>| Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3552126 | N/A | N/A |
| XXXX | 625 |  |  | Closed | 2025-03-07 05:37 | 2025-03-11 09:00 | Resolved | 1 - Information C A | Property | Appraisal | Missing Core Valuation Product | Resolved-Appraisal and 1004D document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/11/2025 <br>Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/10/2025 <br>Open-None of the Valuation entries contain core valuation types. Appraisal Document is missing. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025<br>| Resolved-Appraisal and 1004D document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/11/2025 <br>Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3551765 | N/A | N/A |
| XXXX | 625 |  |  | Closed | 2025-03-07 05:37 | 2025-03-11 09:00 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal and 1004D document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/11/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/10/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025<br>| Resolved-Appraisal and 1004D document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/11/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3551766 | N/A | N/A |
| XXXX | 625 |  |  | Closed | 2025-03-07 06:49 | 2025-03-10 15:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.341%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) Appraisal Document is Missing.<br>"This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 437 and the Final Closing disclosure on Pg#'s 253, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 451. An interior and exterior appraisal was completed for this property – missing, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 647, and confirmation the appraisal was delivered to the borrower – see Pg#'s 591, and HPML Page # 444. - Due Diligence Vendor-03/07/2025 |  | Resolved-The loan's (9.341%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) Appraisal Document is Missing.<br>"This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 437 and the Final Closing disclosure on Pg#'s 253, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 451. An interior and exterior appraisal was completed for this property – missing, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 647, and confirmation the appraisal was delivered to the borrower – see Pg#'s 591, and HPML Page # 444. - Due Diligence Vendor-03/07/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3552046 | N/A | N/A |
| XXXX | 626 |  |  | Closed | 2025-03-07 07:23 | 2025-04-10 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Mavent has been successfully run with updated PCCD. Resolved - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. - Seller-04/09/2025 <br>Counter-Please provide a PCCD. The updated Final CD does not suffice to clear as the Final CD should not be updated - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/04/2025 <br>Counter-The provided 1008 has been reviewed, The values on the Final CD and IEAD are incorrect. - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. - Seller-03/18/2025 <br>Open-Missing Hazard Insurance Policy Monthly Insurance as per HOI policy pg#353, 367 is $3481/12 = $290.08, whereas, as per final CD, Initial escrow and 1008 documents monthly escrow is $333.52. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-03/18/2025<br>| Resolved-Mavent has been successfully run with updated PCCD. Resolved - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3552146 | N/A | N/A |
| XXXX | 627 |  |  | Closed | 2025-03-10 07:12 | 2025-03-11 15:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.15%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 450 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 458. An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 515, and confirmation the appraisal was delivered to the borrower – see Pg#'s 86. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/10/2025 |  | Resolved-The loan's (9.15%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 450 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 458. An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 515, and confirmation the appraisal was delivered to the borrower – see Pg#'s 86. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/10/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3566306 | N/A | N/A |
| XXXX | 628 |  |  | Closed | 2025-03-19 11:51 | 2025-03-22 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Clarification received and verified with provided docs and LOX in file. Resolved - Due Diligence Vendor-03/22/2025 <br>Ready for Review-Document Uploaded. - Seller-03/20/2025 <br>Open-Borrower 1 IRS Transcripts Missing 4506 in file indicates 1040 transcript. Pending from file - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025<br>| Resolved-Clarification received and verified with provided docs and LOX in file. Resolved - Due Diligence Vendor-03/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3644527 | N/A | N/A |
| XXXX | 629 |  |  | Closed | 2025-03-14 13:59 | 2025-03-18 13:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.71%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'255, 460, <br> Final Closing disclosure on Pg# 157<br> Rate lock doc on pg-155.<br> An interior and exterior appraisal was completed for this property on pg-18. <br> A copy of the appraisal was given to the borrower on pgs-412.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 280.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-03/14/2025 |  | Resolved-The loan's (8.71%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'255, 460, <br> Final Closing disclosure on Pg# 157<br> Rate lock doc on pg-155.<br> An interior and exterior appraisal was completed for this property on pg-18. <br> A copy of the appraisal was given to the borrower on pgs-412.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 280.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-03/14/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3612596 | N/A | N/A |
| XXXX | 630 |  |  | Closed | 2025-03-17 20:49 | 2025-03-24 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Final 1003 Borrowers lived Rent Free 7 years XXXX XXXX XXXX XXXX. Relative LOE states Borrowers lived in Relatives Property Rent Free. - Due Diligence Vendor-03/24/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. Subject property purchased XXXX. Guideline XXXX page 44 requesting prior mortgage payment history to complete 12 month housing history requirement. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. Final URLA reflects B1 and B2 lived Rent Free/No primary housing expense, at XXXX for XXXX. - Seller-03/20/2025 <br> Counter-1003 states both Borrowers Owned 7 years XXXX XXXX XXXX XXXX. Uploaded LOE states Borrowers lived in Relatives Property Rent Free. Credit report shows mortgage payment history 8 months Subject property as collateral. Requesting amended Final 1003 to show Borrowers lived Rent Free 7 years XXXX XXXX CA XXXX. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. - Seller-03/18/2025 | Ready for Review-Document Uploaded. Final URLA reflects B1 and B2 lived Rent Free/No primary housing expense, at XXXX for XXXX. - Seller-03/20/2025 <br> Ready for Review-Document Uploaded. - Seller-03/18/2025 | Resolved-Final 1003 Borrowers lived Rent Free 7 years XXXX XXXX XXXX XXXX. Relative LOE states Borrowers lived in Relatives Property Rent Free. - Due Diligence Vendor-03/24/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3630542 | N/A | N/A |
| XXXX | 630 |  |  | Closed | 2025-03-17 07:37 | 2025-03-20 14:48 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-CPA letter both Borrowers Owned 100% shares XXXX. B1 Secretary and Director. B2 CEO and CFO Income qualified with only 12 months statements XXXX XXXX, no tax returns or other asset statements used to qualify. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-B1 has ownership per CPA Letter, however, B1 did not use self-employment income to qualify. - Seller-03/18/2025 <br> Open-Borrower 1 and Borrower 2 are both self-employed with "XXXX." According to the CPA letter on Page #382, B1 and B2 have owned 100% of the shares. However, on the Final 1003, B1 is not qualified with monthly income from "XXXX," while B2 is qualified with monthly income and 100% ownership. Please clarify that only B2 is qualified with 100% ownership or whether B1 and B2 both have shares in the ownership.<br> - Due Diligence Vendor-03/17/2025 | Ready for Review-B1 has ownership per CPA Letter, however, B1 did not use self-employment income to qualify. - Seller-03/18/2025<br>| Resolved-CPA letter both Borrowers Owned 100% shares XXXX. B1 Secretary and Director. B2 CEO and CFO Income qualified with only 12 months statements XXXX XXXX, no tax returns or other asset statements used to qualify. - Due Diligence Vendor-03/20/2025 |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3622660 | N/A | N/A |
| XXXX | 630 |  |  | Closed | 2025-03-17 07:39 | 2025-03-19 08:06 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Seller-03/18/2025 <br>Open-The borrower is qualified with Alt Doc - 12 Months BS, whereas the lender approval form reflects Alt Doc - 24 Months. Provide the updated lender approval form.<br> - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/18/2025<br>| Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3622665 | N/A | N/A |
| XXXX | 630 |  |  | Closed | 2025-03-17 07:18 | 2025-03-19 08:05 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Seller-03/18/2025 <br>Open-The 1008 document is missing from the loan file. Lender Loan Information, FPL, IEAD and Hazard Insurance reflects Homeowner's Insurance Monthly Premium of $120.83 whereas the 1008 reflects Homeowner's Insurance Monthly Premium $115.<br> Final 1003 other monthly payments $95. Provide updated 1008 document - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/18/2025<br>| Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3622573 | N/A | N/A |
| XXXX | 632 |  |  | Closed | 2025-03-21 07:14 | 2025-04-11 14:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-XXXX has been updated. Resolved via system automation - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Updated bank statement and income calc attached---We were given an updated business bank statement prior to closing.(account is used for both income & assets) <br> The attached income calculation shows income thru XXXX and supports $7474.78 <br> - Seller-04/10/2025 <br> Counter-Provide income documentation to reflect the income value iao $XXXX. Documentation in file reflects $XXXX which causes a breech in DTI - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Open-Audited DTI Exceeds Guideline DTI DTI difference due to P&I amount and interest rate. The 1008 lists $XXXX at 6.990% and Note lists $XXXX at 7.735%. This causes the DTI to be above 50% while loan is an Alt Doc. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Updated bank statement and income calc attached---We were given an updated business bank statement prior to closing.(account is used for both income & assets) <br> The attached income calculation shows income thru XXXX and supports $7474.78 <br> - Seller-04/10/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 | Resolved-XXXX has been updated. Resolved via system automation - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3665043 | N/A | N/A |
| XXXX | 632 |  |  | Closed | 2025-03-21 08:37 | 2025-04-11 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Note rate is 7.375% which is matching our 1008 now. Update attached. - Seller-04/03/2025 <br> Open-The 1008 document is missing from the loan file. Provide updated 1008 document, P&I amount and interest rate different from Note document ,1008 showing $XXXX and Note showing $XXXX. Interest rate in Note 7.735% whereas 1008 Underwriter considered 6.990%, Hence there is difference in DTI. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Note rate is 7.375% which is matching our 1008 now. Update attached. - Seller-04/03/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3665249 | N/A | N/A |
| XXXX | 632 |  |  | Closed | 2025-03-21 08:44 | 2025-04-04 15:09 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Approval received. Resolved as additional inquiries are pending clarification - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. The rate on the note is 7.375% which is now matching our 1008. attached. - Seller-04/03/2025 <br>Open-Provide updated Lender approval document, P&I amount and interest rate differ from Note document. Interest rate on Note 7.735% whereas Lender approval sheet showing 6.990% causing a difference in DTI. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. The rate on the note is 7.375% which is now matching our 1008. attached. - Seller-04/03/2025<br>| Resolved-Approval received. Resolved as additional inquiries are pending clarification - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3665258 | N/A | N/A |
| XXXX | 633 |  |  | Closed | 2025-03-26 10:11 | 2025-03-26 10:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.432%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 384 and the Final Closing disclosure on Pg#'s 244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 240. An interior and exterior appraisal was completed for this property – see pg 18, and confirmation the appraisal was delivered to the borrower – see Pg#'s 296,237. The appraisal disclosure was provided to the borrower(s)- or notice of right to receive copy of written appraisal/valuation on pg#435 which is not check marked by borrower, whereas appraisal delivery report on pg#296 - Due Diligence Vendor-03/26/2025 |  | Resolved-The loan's (8.432%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 384 and the Final Closing disclosure on Pg#'s 244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 240. An interior and exterior appraisal was completed for this property – see pg 18, and confirmation the appraisal was delivered to the borrower – see Pg#'s 296,237. The appraisal disclosure was provided to the borrower(s)- or notice of right to receive copy of written appraisal/valuation on pg#435 which is not check marked by borrower, whereas appraisal delivery report on pg#296 - Due Diligence Vendor-03/26/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3695741 | N/A | N/A |
| XXXX | 635 |  |  | Closed | 2025-04-01 12:43 | 2025-04-09 20:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Profit Sharing Account with $XXXX vested portion uploaded, Audited Reserves of 37.69 month(s) are greater than Guideline Required Reserves of 3 month(s), Verified & entered in system - Resolved - Due Diligence Vendor-04/09/2025 <br> Resolved-Profit Sharing Account with $XXXX vested portion uploaded, Audited Reserves of 37.69 month(s) are greater than Guideline Required Reserves of 3 month(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025 <br> Resolved-Audited Reserves of 37.69 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Please re-review: The borrower has Profit Sharing Account with $XXXX vested portion.<br> He withdrew 15,000 from this account for closing.<br> Even with 50% it should be enough for reserves.<br> - Seller-04/08/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 0 month(s) are less than Guideline Required Reserves of 3 month(s). Require additional assets to meet reserves requirement as per G/Ls. Provided Assets verified as per latest bank statements provided in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-Please re-review: The borrower has Profit Sharing Account with $XXXX vested portion.<br> He withdrew 15,000 from this account for closing.<br> Even with 50% it should be enough for reserves.<br> - Seller-04/08/2025 | Resolved-Profit Sharing Account with $113,823.46 vested portion uploaded, Audited Reserves of 37.69 month(s) are greater than Guideline Required Reserves of 3 month(s), Verified & entered in system - Resolved - Due Diligence Vendor-04/09/2025 <br>Resolved-Profit Sharing Account with $113,823.46 vested portion uploaded, Audited Reserves of 37.69 month(s) are greater than Guideline Required Reserves of 3 month(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025 <br>Resolved-Audited Reserves of 37.69 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/09/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3739458 | N/A | N/A |
| XXXX | 635 |  |  | Closed | 2025-04-01 12:38 | 2025-04-09 20:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-04/09/2025 <br>Resolved-The loan's (8.253%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s303, <br> Final Closing disclosure on Pg#'129<br> Rate lock doc on pg-113.<br> An interior and exterior appraisal was completed for this property on pg-23. <br> The appraisal disclosure was provided to the borrower(s) on pgs-391.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 25.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-04/01/2025 |  | Resolved- The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-04/09/2025 <br>Resolved-The loan's (8.253%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s303, <br> Final Closing disclosure on Pg#'129<br> Rate lock doc on pg-113.<br> An interior and exterior appraisal was completed for this property on pg-23. <br> The appraisal disclosure was provided to the borrower(s) on pgs-391.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 25.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-04/01/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3739405 | N/A | N/A |
| XXXX | 635 |  |  | Closed | 2025-04-01 12:38 | 2025-04-09 20:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan | Resolved- The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-04/09/2025 <br>Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with 12 CFR 1026.35 constitutes compliance with 209 CMR 32.35. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's (8.253%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the (6.65%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35; 12 CFR 1026.35(a)(1)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s303, <br> Final Closing disclosure on Pg#'129<br> Rate lock doc on pg-113.<br> An interior and exterior appraisal was completed for this property on pg-26. <br> The appraisal disclosure was provided to the borrower(s) on pgs-391.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 25.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-04/01/2025 |  | Resolved- The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-04/09/2025 <br>Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with 12 CFR 1026.35 constitutes compliance with 209 CMR 32.35. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's (8.253%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the (6.65%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35; 12 CFR 1026.35(a)(1)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s303, <br> Final Closing disclosure on Pg#'129<br> Rate lock doc on pg-113.<br> An interior and exterior appraisal was completed for this property on pg-26. <br> The appraisal disclosure was provided to the borrower(s) on pgs-391.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 25.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-04/01/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3739404 | N/A | N/A |
| XXXX | 636 |  |  | Closed | 2025-04-02 11:49 | 2025-04-08 11:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/08/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/07/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows 1 uncleared alert. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/07/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/08/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3749561 | N/A | N/A |
| XXXX | 636 |  |  | Closed | 2025-04-02 12:15 | 2025-04-02 12:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.878%) equals or exceeds the XXXX HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 381 and the Final Closing disclosure on page # 168-173 reflects escrows. Rate lock date was entered correctly – see page # 402. An interior and exterior appraisal was completed for this property – see page # 21-60 and the appraisal disclosure was provided to the borrower(s)- see page # 19, 20 and confirmation the appraisal was delivered to the borrower – see page # 19, 20. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/02/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.878%) equals or exceeds the XXXX HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 381 and the Final Closing disclosure on page # 168-173 reflects escrows. Rate lock date was entered correctly – see page # 402. An interior and exterior appraisal was completed for this property – see page # 21-60 and the appraisal disclosure was provided to the borrower(s)- see page # 19, 20 and confirmation the appraisal was delivered to the borrower – see page # 19, 20. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/02/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3749735 | N/A | N/A |
| XXXX | 636 |  |  | Closed | 2025-04-02 12:15 | 2025-04-02 12:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.878%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 381 and the Final Closing disclosure on page # 168-173 reflects escrows. Rate lock date was entered correctly – see page # 402. An interior and exterior appraisal was completed for this property – see page # 21-60 and the appraisal disclosure was provided to the borrower(s)- see page # 19, 20 and confirmation the appraisal was delivered to the borrower – see page # 19, 20. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/02/2025 |  | Resolved-The loan's (8.878%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 381 and the Final Closing disclosure on page # 168-173 reflects escrows. Rate lock date was entered correctly – see page # 402. An interior and exterior appraisal was completed for this property – see page # 21-60 and the appraisal disclosure was provided to the borrower(s)- see page # 19, 20 and confirmation the appraisal was delivered to the borrower – see page # 19, 20. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/02/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3749736 | N/A | N/A |
| XXXX | 637 |  |  | Closed | 2025-04-03 20:14 | 2025-04-09 12:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/09/2025 <br>Resolved-Alerts cleared. - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/09/2025 <br>Resolved-Alerts cleared. - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3778168 | N/A | N/A |
| XXXX | 637 |  |  | Closed | 2025-04-02 10:00 | 2025-04-09 12:03 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated Final 1003 & 1008 uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 for DTI - Seller-04/08/2025 <br> Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 32.82% but Originator DTI is 34.01%. Variance is 1.19 due to the difference in Tradeline XXXX #XXXX of $320 reflecting duplicate in final 1003 but in Credit report reflecting only 1 tradeline updated.<br> - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Updated 1003/1008 for DTI - Seller-04/08/2025<br>| Resolved-Updated Final 1003 & 1008 uploaded, DTI is matching with the 1008, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3748994 | N/A | N/A |
| XXXX | 637 |  |  | Closed | 2025-04-03 20:11 | 2025-04-04 16:29 | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the 1008 Page is '715' or blank, but the Qualifying FICO from the Credit Liabilities Page is '743' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per GLs primary wage earner is representative credit score - Due Diligence Vendor-04/03/2025 |  | Resolved-Qualifying FICO on the 1008 Page is '715' or blank, but the Qualifying FICO from the Credit Liabilities Page is '743' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per GLs primary wage earner is representative credit score - Due Diligence Vendor-04/03/2025<br>|  |  |  | XXXX | Investment | Purchase | NA | 3778144 | N/A | N/A |
| XXXX | 638 |  |  | Closed | 2025-04-03 14:00 | 2025-04-08 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/07/2025 <br>Open-Third Party Fraud Report Partially Provided Fraud report shows uncleared alerts - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/07/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3771970 | N/A | N/A |
| XXXX | 638 |  |  | Closed | 2025-04-02 11:16 | 2025-04-07 20:26 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-updated property and business approval pages. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-04/07/2025 <br> Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/07/2025<br>| Resolved-updated property and business approval pages. - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3749364 | N/A | N/A |
| XXXX | 639 |  |  | Closed | 2025-04-03 12:48 | 2025-04-09 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Alerts Summary document shows a total of 7 High alerts, only 5 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3762889 | N/A | N/A |
| XXXX | 639 |  |  | Closed | 2025-04-03 12:16 | 2025-04-09 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Income Calculations - Seller-04/08/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. • Due to imaging errors in the upload, the income calculation worksheet on page #489 for checking #XXXX ($5,324.45 calculated income) is not reflecting legible numbers to verify the exact deposits. Please resubmit. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Income Calculations - Seller-04/08/2025<br>| Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3762552 | N/A | N/A |
| XXXX | 639 |  |  | Closed | 2025-04-03 13:16 | 2025-04-09 12:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-04/09/2025 <br>Resolved-The loan's (8.996%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 490 and the Final Closing disclosure on page # 335-339 reflects escrows. Rate lock date was entered correctly – see page # 508An interior and exterior appraisal was completed for this property – see page # 32-57 and the appraisal disclosure was provided to the borrower(s)- see page # 30, 31 and confirmation the appraisal was delivered to the borrower – see page # 30, 31. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/03/2025 |  | Resolved-. - Due Diligence Vendor-04/09/2025 <br>Resolved-The loan's (8.996%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 490 and the Final Closing disclosure on page # 335-339 reflects escrows. Rate lock date was entered correctly – see page # 508An interior and exterior appraisal was completed for this property – see page # 32-57 and the appraisal disclosure was provided to the borrower(s)- see page # 30, 31 and confirmation the appraisal was delivered to the borrower – see page # 30, 31. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/03/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3763222 | N/A | N/A |
| XXXX | 640 |  |  | Closed | 2025-04-04 00:57 | 2025-04-10 13:03 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | XXXX - Interest Rate Accrual Warning (Civ. Code) | Resolved-PCCD updated and issue resolved. - Due Diligence Vendor-04/10/2025 <br> Resolved- - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. PCCD & cover letter for $360.50 cure for overcharge on interest - Seller-04/09/2025 <br> Counter-The per diem starts on XXXX but the loan disbursed on XXXX. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. Borrowers signed and checked the 2nd box on the XXXX PER DIEM disclosure (attached), indicating that they are aware of additional interest accrued over a weekend or a day before a Holiday. - Seller-04/07/2025 <br> Open-Under the XXXX Civil Code, a Lender may not begin to accrue interest on a loan secured by 1-4 unit dwelling on real property located in XXXX prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (XXXX Civ. Code 2948.5) Closing date is XXXX as per Final CD page 242 and XXXX as per PCCD page 511 updated the same in Trid, whereas all closing document signed on XXXX and Notary date is XXXX<br> Final CD receipt on XXXX updated the same. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. PCCD & cover letter for $360.50 cure for overcharge on interest - Seller-04/09/2025 <br> Ready for Review-Document Uploaded. Borrowers signed and checked the 2nd box on the XXXX PER DIEM disclosure (attached), indicating that they are aware of additional interest accrued over a weekend or a day before a Holiday. - Seller-04/07/2025 | Resolved-PCCD updated and issue resolved. - Due Diligence Vendor-04/10/2025 <br>Resolved- - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3779882 | N/A | N/A |
| XXXX | 640 |  |  | Closed | 2025-04-03 11:17 | 2025-04-10 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/09/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Gap report for borrower 1 as it is missing in file. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/09/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3761155 | N/A | N/A |
| XXXX | 640 |  |  | Closed | 2025-04-03 11:17 | 2025-04-10 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/09/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Provide Gap report for borrower 2 as it is missing in file. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/09/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3761156 | N/A | N/A |
| XXXX | 640 |  |  | Closed | 2025-04-04 00:57 | 2025-04-10 13:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.69%) equals or exceeds the XXXX HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.694%) equals or exceeds the XXXX HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #438,449 and the Final Closing disclosure on Pg #242, Finding reflects escrows. Rate lock date was entered correctly – see Pg #228,450. An interior and exterior appraisal was completed for this property – see Pg #40, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #39,38,301,494. The loan meets HPML guidelines - Due Diligence Vendor-04/10/2025 <br>Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.694%) equals or exceeds the XXXX HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #438,449 and the Final Closing disclosure on Pg #242, Finding reflects escrows. Rate lock date was entered correctly – see Pg #228,450. An interior and exterior appraisal was completed for this property – see Pg #40, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #39,38,301,494.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/04/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.69%) equals or exceeds the XXXX HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.694%) equals or exceeds the XXXX HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #438,449 and the Final Closing disclosure on Pg #242, Finding reflects escrows. Rate lock date was entered correctly – see Pg #228,450. An interior and exterior appraisal was completed for this property – see Pg #40, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #39,38,301,494. The loan meets HPML guidelines - Due Diligence Vendor-04/10/2025 <br>Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.694%) equals or exceeds the XXXX HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #438,449 and the Final Closing disclosure on Pg #242, Finding reflects escrows. Rate lock date was entered correctly – see Pg #228,450. An interior and exterior appraisal was completed for this property – see Pg #40, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #39,38,301,494.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/04/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3779880 | N/A | N/A |
| XXXX | 640 |  |  | Closed | 2025-04-04 00:57 | 2025-04-10 13:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.69%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.694%) equals or exceeds the XXXX HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #438,449 and the Final Closing disclosure on Pg #242, Finding reflects escrows. Rate lock date was entered correctly – see Pg #228,450. An interior and exterior appraisal was completed for this property – see Pg #40, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #39,38,301,494. The loan meets HPML guidelines - Due Diligence Vendor-04/10/2025 <br>Resolved-The loan's (8.694%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #438,449 and the Final Closing disclosure on Pg #242, Finding reflects escrows. Rate lock date was entered correctly – see Pg #228,450. An interior and exterior appraisal was completed for this property – see Pg #40, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #39,38,301,494.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/04/2025 |  | Resolved-The loan's (8.69%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.694%) equals or exceeds the XXXX HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%).(XXXX Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #438,449 and the Final Closing disclosure on Pg #242, Finding reflects escrows. Rate lock date was entered correctly – see Pg #228,450. An interior and exterior appraisal was completed for this property – see Pg #40, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #39,38,301,494. The loan meets HPML guidelines - Due Diligence Vendor-04/10/2025 <br>Resolved-The loan's (8.694%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #438,449 and the Final Closing disclosure on Pg #242, Finding reflects escrows. Rate lock date was entered correctly – see Pg #228,450. An interior and exterior appraisal was completed for this property – see Pg #40, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #39,38,301,494.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/04/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3779881 | N/A | N/A |
| XXXX | 641 |  |  | Closed | 2025-04-07 13:07 | 2025-05-27 21:00 | Waived | 2 - Non-Material C B | Credit | Credit | Guarantor 1 spouse has not approved transaction | Waived-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-05/27/2025 <br> Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-04/09/2025 <br> Open-Business Purpose Loan, Borrower is married - spousal consent is required for XXXX - Due Diligence Vendor-04/07/2025 |  | Waived-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-05/27/2025 <br>Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-04/09/2025<br>|  |  | - 797 FICO score (720 min) <br> - 114 Months reserves | XXXX | Investment | Purchase | NA | 3793840 | Originator Post-Close | No |
| XXXX | 641 |  |  | Closed | 2025-04-03 04:18 | 2025-04-08 19:51 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-articles of inc received - resolved - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. Formation Documents - Seller-04/07/2025 <br>Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-04/07/2025 <br>Open-Entity Formation Doc Indicator is Missing. Provide Entity formation document as it is missing - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Formation Documents - Seller-04/07/2025<br>| Resolved-articles of inc received - resolved - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3759445 | N/A | N/A |
| XXXX | 641 |  |  | Closed | 2025-04-03 04:26 | 2025-04-08 11:34 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Business Entity EIN provided, Verified - Resolved - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. EIN - Seller-04/07/2025 <br> Open-Provide Business Entity EIN number for the business XXXX - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. EIN - Seller-04/07/2025<br>| Resolved-Business Entity EIN provided, Verified - Resolved - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3759469 | N/A | N/A |
| XXXX | 641 |  |  | Closed | 2025-04-03 04:22 | 2025-04-07 13:07 | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Doc is missing. | Resolved-received guarantor agreement - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Guaranty Agreement - Seller-04/04/2025 <br>Counter-borrowers "Guaranty" document not the notice to guarantor - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. Notice to Guarantor - Seller-04/04/2025 <br>Open-Provide Guarantor recourse document as it is missing in file. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Guaranty Agreement - Seller-04/04/2025 <br>Ready for Review-Document Uploaded. Notice to Guarantor - Seller-04/04/2025<br>| Resolved-received guarantor agreement - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3759458 | N/A | N/A |
| XXXX | 642 |  |  | Closed | 2025-04-04 16:33 | 2025-04-07 19:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. 1003 - Seller-04/07/2025 <br>Open-Borrower is getting gift funds in the amount of 161,500 but the 1003 states no. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. 1003 - Seller-04/07/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3785709 | N/A | N/A |
| XXXX | 642 |  |  | Closed | 2025-04-03 06:32 | 2025-04-07 19:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/07/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3759836 | N/A | N/A |
| XXXX | 642 |  |  | Closed | 2025-04-03 08:02 | 2025-04-07 12:31 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Updated and fail is cleared. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. COC - Seller-04/04/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($800.00). The Last CD shows a total lender credit amount of ($400.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide the COC for Final CD XXXX. COC for the lender credits changing from 800 to 400. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. COC - Seller-04/04/2025<br>| Resolved-Updated and fail is cleared. - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3760197 | N/A | N/A |
| XXXX | 642 |  |  | Closed | 2025-04-03 08:02 | 2025-04-03 08:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.986%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'398, and the Final Closing disclosure on Pg#'233, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 415,409,232. An interior and exterior appraisal was completed for this property – see pg# 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'24,25, and confirmation the appraisal was delivered to the borrower – see Pg#'24,25. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/03/2025 |  | Resolved-The loan's (8.986%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'398, and the Final Closing disclosure on Pg#'233, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 415,409,232. An interior and exterior appraisal was completed for this property – see pg# 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'24,25, and confirmation the appraisal was delivered to the borrower – see Pg#'24,25. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/03/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 3760198 | N/A | N/A |
| XXXX | 644 |  |  | Closed | 2025-04-03 13:38 | 2025-04-09 11:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. COC - Seller-04/08/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($19.19). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide COC for Decrease in Lender Credits from Initial CD $19.19 to revised CD $0 - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. COC - Seller-04/08/2025<br>| Resolved-Resolved - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3771692 | N/A | N/A |
| XXXX | 644 |  |  | Closed | 2025-04-07 18:43 | 2025-04-09 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/09/2025 <br>Resolved-Updated fraud page. - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025 <br>Open-Third Party Fraud Report Partially Provided Fraud report shows unclear alerts - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/09/2025 <br>Resolved-Updated fraud page. - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3798670 | N/A | N/A |
| XXXX | 645 |  |  | Closed | 2025-04-07 19:40 | 2025-04-09 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-An Updated 1008 was provided. Resolved. - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-04/08/2025 <br>Open-The 1008 document is missing from the loan file. • The PITIA per the 1008 does not match that of the Final CD. The 1008 discloses $3,971.98, whereas the Final CD discloses $3,921.98. The difference is $50.00. Per the Flood Insurance premium, the Condo association pays that amount (equal to $50.00 monthly), not the borrower. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/08/2025<br>| Resolved-An Updated 1008 was provided. Resolved. - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3799507 | N/A | N/A |
| XXXX | 645 |  |  | Closed | 2025-04-04 11:27 | 2025-04-09 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Alerts Summary document shows a total 3 Medium alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 3781840 | N/A | N/A |
| XXXX | 646 |  |  | Closed | 2025-04-07 16:54 | 2025-04-09 11:24 | Resolved | 1 - Information B A | Credit | Credit Worthiness | Mortgage history for primary residence less than 12 months | Resolved-Updated credit page. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. VOM attached - Seller-04/08/2025 <br> Open-XXXX only has 4 months for review for the primary - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. VOM attached - Seller-04/08/2025<br>| Resolved-Updated credit page. - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3797155 | N/A | N/A |
| XXXX | 646 |  |  | Closed | 2025-04-07 16:44 | 2025-04-07 20:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. Title Supplement for correct loan amount - Seller-04/07/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Title Supplement for correct loan amount - Seller-04/07/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/07/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3796927 | N/A | N/A |
| XXXX | 647 |  |  | Closed | 2025-04-08 15:25 | 2025-04-10 12:14 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/09/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/09/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3806929 | N/A | N/A |
| XXXX | 647 |  |  | Closed | 2025-04-06 04:50 | 2025-04-10 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/10/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/09/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Borrower 1 Gap Credit. Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-04/06/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/09/2025<br>| Resolved-Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/10/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3791611 | N/A | N/A |
| XXXX | 647 |  |  | Closed | 2025-04-06 05:40 | 2025-04-08 19:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received FCD all pages - resolved - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. Final CD with all pages - Seller-04/08/2025 <br>Open-TRID: Missing Final Closing Disclosure Provide Complete Final Closing Disclosure. 3 of 5 Page missing in Final Closing Disclosure. - Due Diligence Vendor-04/06/2025 | Ready for Review-Document Uploaded. Final CD with all pages - Seller-04/08/2025<br>| Resolved-received FCD all pages - resolved - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3791614 | N/A | N/A |
| XXXX | 648 |  |  | Closed | 2025-04-04 15:11 | 2025-04-15 16:49 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | XXXX - Interest Rate Accrual Warning (Civ. Code) | Resolved-Resolved - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. The borrower did select the appropriate box on the XXXX Per Diem Disclosure at time of signing (see attached), confirming they are aware and okay with paying additional interest if the loan does not disburse until a day after a holiday or weekend - Seller-04/08/2025 <br> Open-Based on post closing CD close date is XXXX and disbursement date is XXXX need prepaid interest updated. - Due Diligence Vendor-04/08/2025 <br> Open-Under the XXXX Civil Code, a Lender may not begin to accrue interest on a loan secured by 1-4 unit dwelling on real property located in XXXX prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (XXXX Civ. Code 2948.5) Prepaid interest dates on initial CD on page #429 are XXXX to XXXX whereas disbursement date on final CD is XXXX. Updated all interest rate dates per LEs and CDs. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. The borrower did select the appropriate box on the CA Per Diem Disclosure at time of signing (see attached), confirming they are aware and okay with paying additional interest if the loan does not disburse until a day after a holiday or weekend - Seller-04/08/2025<br>| Resolved-Resolved - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3784595 | N/A | N/A |
| XXXX | 648 |  |  | Closed | 2025-04-04 14:14 | 2025-04-10 10:24 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-04/10/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/09/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one file shows 1 low uncleared alert. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/09/2025<br>| Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-04/10/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3783378 | N/A | N/A |
| XXXX | 649 |  |  | Closed | 2025-04-04 08:35 | 2025-04-09 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Updated Have Perm Resident Card that is still valid - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. ID - Seller-04/08/2025 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. B1 Driving licenses was expired - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. ID - Seller-04/08/2025<br>| Resolved-Updated Have Perm Resident Card that is still valid - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | 3781325 | N/A | N/A |
| XXXX | 649 |  |  | Closed | 2025-04-04 08:35 | 2025-04-09 11:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud page cleared alerts - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/08/2025<br>| Resolved-Updated fraud page cleared alerts - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | 3781324 | N/A | N/A |
| XXXX | 649 |  |  | Closed | 2025-04-04 08:17 | 2025-04-09 11:26 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 and Business approval page. - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-04/08/2025 <br>Open-Qualifying FICO on the 1008 Page is '714' or blank, but the Qualifying FICO from the Credit Liabilities Page is '734' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per GL, primary wage earner fico score need to use, in file B1 income used for qualification, so B1 FICO Score 734 need to use but 1008 considered the B2 FICO Score 714 - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/08/2025<br>| Resolved-Updated 1008 and Business approval page. - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | 3781261 | N/A | N/A |
| XXXX | 650 |  |  | Closed | 2025-04-04 16:33 | 2025-04-10 15:08 | Resolved | 1 - Information C A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-Data Inputs corrected. Mavent re-ran & passed. Issue resolved. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Compliance Response - According to the information in our file this loan is not a High-Cost Loan or HPML either - Seller-04/09/2025 <br> Open-You submitted a late fee amount of ($XXXX) and a (5.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) • The maximum late fee of 5% of the P&I amount ($XXXX x 5% = $XXXX) exceeds the maximum allowable amount for a High Cost Loan of 4% of the P&I amount ($XXXX x 4% = $XXXX). - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Compliance Response - According to the information in our file this loan is not a High-Cost Loan or HPML either - Seller-04/09/2025<br>| Resolved-Data Inputs corrected. Mavent re-ran & passed. Issue resolved. - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3785723 | N/A | N/A |
| XXXX | 650 |  |  | Closed | 2025-04-04 16:33 | 2025-04-10 15:08 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: APR/FEES | Resolved-Data Inputs corrected. Mavent re-ran & passed. Issue resolved. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Compliance Response - According to the information in our file this loan is not a High-Cost Loan or HPML either - Seller-04/09/2025 <br> Open-The loan fees ($29,109.08) exceed the (FED2014) (Note Amount >=$XXXX) fee limit, which is 5% of the Total Loan Amount ($XXXX), the difference is ($4,506.75). (12 CFR 1026.32). • The borrower-paid loan fees from Section A of the PCCD ($29,109.08) exceed the (FED2014) (Note Amount >=$XXXX) fee limit, which is 5% of the Total Loan Amount ($XXXX x 5% = $XXXX), the difference is ($XXXX). (12 CFR 1026.32). - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Compliance Response - According to the information in our file this loan is not a High-Cost Loan or HPML either - Seller-04/09/2025<br>| Resolved-Data Inputs corrected. Mavent re-ran & passed. Issue resolved. - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3785724 | N/A | N/A |
| XXXX | 650 |  |  | Closed | 2025-04-04 16:33 | 2025-04-09 17:32 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Data Inputs corrected. Mavent re-ran & passed. Issue resolved. Not an HPML loan. - Due Diligence Vendor-04/10/2025 <br>Resolved- - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Compliance Response - According to the information in our file this loan is not a High-Cost Loan or HPML either - Seller-04/09/2025 <br>Open-The loan's (8.155%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#365, and the Final Closing disclosure on Pg#215, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' 394,376,213. An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'29,30, and confirmation the appraisal was delivered to the borrower – see Pg#'29,30. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Compliance Response - According to the information in our file this loan is not a High-Cost Loan or HPML either - Seller-04/09/2025<br>| Resolved-Data Inputs corrected. Mavent re-ran & passed. Issue resolved. Not an HPML loan. - Due Diligence Vendor-04/10/2025 <br>Resolved- - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3785725 | N/A | N/A |
| XXXX | 650 |  |  | Closed | 2025-04-04 15:35 | 2025-04-09 17:12 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/09/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Alerts Summary document shows a total of 13 High alerts, only 12 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/09/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3784954 | N/A | N/A |
| XXXX | 650 |  |  | Closed | 2025-04-04 14:57 | 2025-04-09 12:02 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/08/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/08/2025<br>| Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3784074 | N/A | N/A |
| XXXX | 651 |  |  | Closed | 2025-04-04 04:32 | 2025-04-09 19:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/09/2025 <br>Resolved-Borrower 1 & Borrower 2 (joint) Gap Credit Report provided. System updated. - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/09/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide B1 GAP credit report as it is missing from file. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/09/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/09/2025 <br>Resolved-Borrower 1 & Borrower 2 (joint) Gap Credit Report provided. System updated. - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3780379 | N/A | N/A |
| XXXX | 651 |  |  | Closed | 2025-04-04 04:32 | 2025-04-09 19:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/09/2025 <br>Resolved-Borrower 1 & Borrower 2 (joint) Gap Credit Report provided. System updated. - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/09/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Provide B2 GAP credit report as it is missing from file. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/09/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/09/2025 <br>Resolved-Borrower 1 & Borrower 2 (joint) Gap Credit Report provided. System updated. - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3780380 | N/A | N/A |
| XXXX | 652 |  |  | Closed | 2025-04-07 12:08 | 2025-04-14 07:40 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-04/14/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/11/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/11/2025<br>| Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-04/14/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3793400 | N/A | N/A |
| XXXX | 652 |  |  | Closed | 2025-04-07 11:00 | 2025-04-11 12:17 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-received 1st lien letter from title company - resolved - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Title Supp for loan amount - Seller-04/10/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount of $XXXX - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Title Supp for loan amount - Seller-04/10/2025<br>| Resolved-received 1st lien letter from title company - resolved - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3793026 | N/A | N/A |
| XXXX | 653 |  |  | Closed | 2025-04-07 14:50 | 2025-04-10 19:25 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Rodolfo - Seller-04/10/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide bwr #1 GAP credit report within 10 days from note date as the on file was expired (GAP report date XXXX and Note date XXXX). - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Gap Credit - Rodolfo - Seller-04/10/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3795049 | N/A | N/A |
| XXXX | 653 |  |  | Closed | 2025-04-07 14:50 | 2025-04-10 19:25 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Maydin - Seller-04/10/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide bwr #2 GAP credit report within 10 days from note date as the on file was expired (GAP report date XXXX and Note date XXXX). - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Gap Credit - Maydin - Seller-04/10/2025<br>| Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3795050 | N/A | N/A |
| XXXX | 653 |  |  | Closed | 2025-04-07 15:16 | 2025-04-10 19:24 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/10/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide an updated frauds report with all cleared alerts as the on file shows uncleared alerts. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/10/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3795637 | N/A | N/A |
| XXXX | 653 |  |  | Closed | 2025-04-07 14:56 | 2025-04-10 11:55 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/10/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/09/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/09/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/10/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3795120 | N/A | N/A |
| XXXX | 654 |  |  | Closed | 2025-04-07 04:56 | 2025-04-16 23:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Credit Report - Seller-04/15/2025 <br>Counter-Credit report is missing as well. - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/10/2025 <br>Open-Borrower 1 Credit Report is Missing. Provide Borrower 1 Credit Report. Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Credit Report - Seller-04/15/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/10/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3792148 | N/A | N/A |
| XXXX | 654 |  |  | Closed | 2025-04-07 04:56 | 2025-04-16 23:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/16/2025 <br>Resolved-Borrower 1 Gap Credit Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Borrower 1 Gap Credit Report. Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/10/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/16/2025 <br>Resolved-Borrower 1 Gap Credit Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-04/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3792149 | N/A | N/A |
| XXXX | 654 |  |  | Closed | 2025-04-09 17:54 | 2025-04-14 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Tax Cert | Resolved-Received updated 1008 updated 1008 page and business approval page. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-04/10/2025 <br> Open-Based on tax cert in file page 686 total is at XXXX a year this is not matching the 1008. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/10/2025<br>| Resolved-Received updated 1008 updated 1008 page and business approval page. - Due Diligence Vendor-04/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3819825 | N/A | N/A |
| XXXX | 654 |  |  | Closed | 2025-04-09 17:57 | 2025-04-11 12:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/10/2025 <br>Open-Third Party Fraud Report Partially Provided Fraud report shows uncleared alerts - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/10/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3819868 | N/A | N/A |
| XXXX | 654 |  |  | Closed | 2025-04-07 06:26 | 2025-04-10 13:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-CoC provided for change in lender credits for XXXX to XXXX. No CoC needed for cent change between LE and CD. Non issue due to LE rounding up and CDs being specific. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Compliance Response: the Lender's credit changed on XXXX due to the escrow change which lower the credit to $7311, but the credit never changed after that. Remember the LE shows no cents, so when the ICD was issued the actual credit is 7310.55. Attached please find the XXXX COC along with this explanation on how our LE is rounded up and our CD's shows the actual dollar amount. - Seller-04/09/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($8,028.00). The Last CD shows a total lender credit amount of ($7,310.55). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide COC for Decrease in Lender Credits from revised LE $8028 to Initial CD $7,311 & Final CD $7,310.55. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Compliance Response: the Lender's credit changed on XXXX due to the escrow change which lower the credit to $7311, but the credit never changed after that. Remember the LE shows no cents, so when the ICD was issued the actual credit is 7310.55. Attached please find the XXXX COC along with this explanation on how our LE is rounded up and our CD's shows the actual dollar amount. - Seller-04/09/2025 | Resolved-CoC provided for change in lender credits for XXXX to XXXX. No CoC needed for cent change between LE and CD. Non issue due to LE rounding up and CDs being specific. - Due Diligence Vendor-04/10/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3792378 | N/A | N/A |
| XXXX | 656 |  |  | Closed | 2025-04-09 02:39 | 2025-04-17 00:40 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Fees: Limited | Cured-Cure check provided and updated. - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. Copy of $1863.80 cure check, LOX, PCCD & Tracking info - Seller-04/16/2025 <br>Open-The total amount of the 10% category fees ($3,539.00) has increased by more than 10% over the current baseline value of ($1,669.00). The total amount of fees in the 10% category cannot exceed ($1,835.90). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy, Title Insurance Binder, Title Examination, Abstract Or Title Search Fee, Recording Service Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-04/09/2025 <br>Open-Title Abstract Fee, Title Recording service Fee, Title Binder, Title Exam review fee this Feeses added in B section Final CD page 285 provide COC to cure this finding - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Copy of $1863.80 cure check, LOX, PCCD & Tracking info - Seller-04/16/2025<br>| Cured-Cure check provided and updated. - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3813503 | N/A | N/A |
| XXXX | 656 |  |  | Closed | 2025-04-08 09:22 | 2025-04-15 19:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. Initial 1003 - Seller-04/15/2025 <br>Open-The Initial 1003 is Missing Provide updated initial 1003 as the LO signed is missing. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Initial 1003 - Seller-04/15/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3803247 | N/A | N/A |
| XXXX | 656 |  |  | Closed | 2025-04-08 10:13 | 2025-04-10 11:14 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/09/2025 <br>Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/09/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3803369 | N/A | N/A |
| XXXX | 656 |  |  | Closed | 2025-04-09 02:39 | 2025-04-09 20:14 | Resolved | 1 - Information A | Compliance | Predatory:DocType | XXXX - Documentation Warning (HPML) | Resolved-This is an XXXX Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in 12 CFR 1026.34(a)(4) as incorporated by the XXXX Admin Code, should be applied to determine a lender's compliance with this requirement. (XXXX Admin. Code 160:45-9-4(a)(4)(B)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #437,441 and the Final Closing disclosure on Pg #284,295, Finding reflects escrows. Rate lock date was entered correctly – see Pg #282,443 An interior and exterior appraisal was completed for this property – see Pg #47, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #43,44,84.<br> The loan meets HPML guidelines, resolved.<br>- Due Diligence Vendor-04/09/2025 |  | Resolved-This is an XXXX Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in 12 CFR 1026.34(a)(4) as incorporated by the XXXX Admin Code, should be applied to determine a lender's compliance with this requirement. (XXXX Admin. Code 160:45-9-4(a)(4)(B)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #437,441 and the Final Closing disclosure on Pg #284,295, Finding reflects escrows. Rate lock date was entered correctly – see Pg #282,443 An interior and exterior appraisal was completed for this property – see Pg #47, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #43,44,84.<br> The loan meets HPML guidelines, resolved.<br>- Due Diligence Vendor-04/09/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3813506 | N/A | N/A |
| XXXX | 656 |  |  | Closed | 2025-04-09 02:39 | 2025-04-09 02:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.476%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #437,441 and the Final Closing disclosure on Pg #284,295, Finding reflects escrows. Rate lock date was entered correctly – see Pg #282,443 An interior and exterior appraisal was completed for this property – see Pg #47, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #43,44,84.<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/09/2025 |  | Resolved-The loan's (9.476%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #437,441 and the Final Closing disclosure on Pg #284,295, Finding reflects escrows. Rate lock date was entered correctly – see Pg #282,443 An interior and exterior appraisal was completed for this property – see Pg #47, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #43,44,84.<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/09/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3813504 | N/A | N/A |
| XXXX | 656 |  |  | Closed | 2025-04-09 02:39 | 2025-04-09 02:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is an XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.476%) equals or exceeds the XXXX HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.65%). (XXXX Admin. Code 160:45-9-5(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #437,441 and the Final Closing disclosure on Pg #284,295, Finding reflects escrows. Rate lock date was entered correctly – see Pg #282,443 An interior and exterior appraisal was completed for this property – see Pg #47, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #43,44,84.<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/09/2025 |  | Resolved-This is an XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.476%) equals or exceeds the XXXX HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.65%). (XXXX Admin. Code 160:45-9-5(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #437,441 and the Final Closing disclosure on Pg #284,295, Finding reflects escrows. Rate lock date was entered correctly – see Pg #282,443 An interior and exterior appraisal was completed for this property – see Pg #47, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #43,44,84.<br> The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/09/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3813505 | N/A | N/A |
| XXXX | 657 |  |  | Closed | 2025-04-09 07:37 | 2025-04-21 12:50 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-received current tax docs from county and city - DTIs are in line resolved - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. All the Tax docs from the county and updated the 1008 - Seller-04/18/2025 <br> Counter-Final Closing Disclosure and Post Closing Disclosures show taxes monthly of XXXX IEADS also shows monthly taxes at XXXX and first payment letter shows XXXX<br> Tax doc uploaded has an annual total of XXXX / 12 = XXXX which is the amount on the 1008. re-disclosure of PCCD, Payment Letter and IEADS required to reflect XXXX monthly taxes.<br> Also beware XXXX-XXXX = XXXX monthly tax shortage - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. Property Tax Info supports the 1008 we sent before. - Seller-04/15/2025 <br> Counter-updated 1008 uploaded does not have Taxes as 1145 "lender considered tax amount as $XXXX where as per tax cert, final CD, IEAD it is XXXX annually or $XXXX monthly."<br> audited front end DTI is 15.82% audited back end DTI is 37.76% - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. Updated 1008 / 1003 - Seller-04/10/2025 <br> Open-Audited DTI is 37.76 and lender DTI is 34.12. The difference is 3.64 This is because lender considered tax amount as $XXXX where as per tax cert, final CD, IEAD it is $XXXX annually or $XXXX monthly. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. All the Tax docs from the county and updated the 1008 - Seller-04/18/2025 <br>Ready for Review-Document Uploaded. Property Tax Info supports the 1008 we sent before. - Seller-04/15/2025 <br>Ready for Review-Document Uploaded. Updated 1008 / 1003 - Seller-04/10/2025<br>| Resolved-received current tax docs from county and city - DTIs are in line resolved - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3814182 | N/A | N/A |
| XXXX | 657 |  |  | Closed | 2025-04-09 07:29 | 2025-04-10 19:21 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/10/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one file shows uncleared alerts. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/10/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3814152 | N/A | N/A |
| XXXX | 657 |  |  | Closed | 2025-04-09 07:18 | 2025-04-10 10:38 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested LCA with Score of 1.5 provided for secondary valuation hence resolved. - Due Diligence Vendor-04/10/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/09/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/09/2025<br>| Resolved-Requested LCA with Score of 1.5 provided for secondary valuation hence resolved. - Due Diligence Vendor-04/10/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3814126 | N/A | N/A |
| XXXX | 658 |  |  | Closed | 2025-04-10 17:34 | 2025-04-14 19:41 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Estimated Taxes, Insurance, & Assessments monthly estimate is inaccurate | Resolved-Corrected PCCD received. System updated. Resolved. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. 1008 & CD - Seller-04/14/2025 <br> Counter-1008 received, but the finding was for an incorrect CD. The 1008 & Final CD list an incorrect amount for property taxes. The audit found taxes to be $XXXX ÷ 12 = $XXXX monthly (per the Tax Certification and the actual Tax Bill in file). The 1008 & the Final CD shows $XXXX. However, if there is evidence of the taxes being $XXXX, it was missing from the file. Otherwise, the 1008 and the Final CD list the wrong tax amount. - Due Diligence Vendor-04/12/2025 <br> Ready for Review-Document Uploaded. 1008 for updated PITIA - Seller-04/11/2025 <br> Open-• Per the 1008 and the Final CD, total Taxes/Insurance/HOA is $1,XXXX ($XXXX Insurance + $XXXX Taxes + $XXXX HOA). However, per the Tax Certification and the actual Tax Bill in file, taxes are only $XXXX ÷ 12 = $XXXX. Therefore the Final CD Estimated Taxes, Insurance & Assessments is incorrect. It should be $XXXX + $XXXX $XXXX = $XXXX. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. 1008 & CD - Seller-04/14/2025 <br>Ready for Review-Document Uploaded. 1008 for updated PITIA - Seller-04/11/2025<br>| Resolved-Corrected PCCD received. System updated. Resolved. - Due Diligence Vendor-04/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3830369 | N/A | N/A |
| XXXX | 658 |  |  | Closed | 2025-04-09 15:48 | 2025-04-12 17:13 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-1008 received with corrected All Other Monthly Payments. DTI shown on the 1008 is 16.290%, which coincides with e audit DTI of 16.2827%. Trivial variance. Issue resolved. - Due Diligence Vendor-04/12/2025 <br> Ready for Review-Document Uploaded. 1008/1003 For Updated DTI - Seller-04/11/2025 <br> Open-• DTI discrepancy on the loan, as per the DTI calculations our audited DTI is 16.2827% compared to the Lender's 26.4022%. The difference is in credit debt. The Lender used $3,457, but the audit used $220. Total credit debts used in the audit were from the XXXX credit report: XXXX $XXXX + XXXX $XXXX + XXXX $XXXX. The "SELF REPORTED" accounts were not counted because they were installment/collection accounts with less than 10 payments remaining; and the XXXX $XXXX mortgage was not counted as it is the mortgage this subject refinance is paying off. Additionally, the Property Tax info is incorrect. Per the 1008, $XXXX was used. However, per the Tax Certification and the actual Tax Bill in file, taxes are only $XXXX ÷ 12 = $XXXX. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. 1008/1003 For Updated DTI - Seller-04/11/2025<br>| Resolved-1008 received with corrected All Other Monthly Payments. DTI shown on the 1008 is 16.290%, which coincides with e audit DTI of 16.2827%. Trivial variance. Issue resolved. - Due Diligence Vendor-04/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3818005 | N/A | N/A |
| XXXX | 658 |  |  | Closed | 2025-04-10 17:06 | 2025-04-12 17:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report dated XXXX (joint with Borrower 1) was received. No new debt. System updated. Resolved. - Due Diligence Vendor-04/12/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-04/11/2025 <br> Open-Borrower 2 Gap Credit Report is Missing • Gap Report for Borrower #2 is missing from the file. The Gap report provided, dated XXXX, only has borrower #1 listed. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/11/2025<br>| Resolved-Borrower 2 Gap Credit Report dated XXXX (joint with Borrower 1) was received. No new debt. System updated. Resolved. - Due Diligence Vendor-04/12/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3829920 | N/A | N/A |
| XXXX | 658 |  |  | Closed | 2025-04-10 17:06 | 2025-04-12 17:09 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-1008 received with a corrected FICO score. System updated. Issue resolved. - Due Diligence Vendor-04/12/2025 <br>Ready for Review-Qualifying FICO on the 1008 Page is '748' or blank, but the Qualifying FICO from the Credit Liabilities Page is '771' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. . - Due Diligence Vendor-04/12/2025 <br>Ready for Review-Document Uploaded. 1008 for updated Score - Seller-04/11/2025 <br>Open-Qualifying FICO on the 1008 Page is '748' or blank, but the Qualifying FICO from the Credit Liabilities Page is '771' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per guidelines: "Standard and Alt Documentation: The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." The only borrower with income is Bwr#1, so Bwr#1's FICO score (771) should be used. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. 1008 for updated Score - Seller-04/11/2025<br>| Resolved-1008 received with a corrected FICO score. System updated. Issue resolved. - Due Diligence Vendor-04/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3829921 | N/A | N/A |
| XXXX | 658 |  |  | Closed | 2025-04-09 15:14 | 2025-04-11 11:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 that was electronically signed at Closing (both borrowers & MLO) received. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Final 1003 signed by both borrowers - Seller-04/10/2025 <br>Open-The Final 1003 is Incomplete • Final 1003 (joint borrowers) is Incomplete. The 1003 that was provided is unsigned/undated. Please provide the Final 1003 that was borrower-executed at Closing. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Final 1003 signed by both borrowers - Seller-04/10/2025<br>| Resolved-The Final 1003 that was electronically signed at Closing (both borrowers & MLO) received. - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 3817518 | N/A | N/A |

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## Exhibit 99.6

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 621 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 622 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX | 250000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.8 | XXXX |
| 624 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 625 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.2 | XXXX |
| 626 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| 627 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| 628 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | 1004 URAR | XXXX |  | XXXX |  | XXXX | 0 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 5 | XXXX |
| 629 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.79 | 51.79 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | Stewart | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.5 | XXXX |
| 630 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 54.78 | 54.78 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 631 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | ClearCapital | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.7 | XXXX |
| 632 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.1 | XXXX |
| 633 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| 635 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| 636 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | ClearCapital | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 637 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2 | XXXX |
| 638 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| 639 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 640 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 641 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | ClearCapital | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| 642 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| 644 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 645 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 646 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 647 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 43.51 | 43.51 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 648 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 649 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 650 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| 651 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| 652 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.33 | 69.33 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | ClearCapital | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 653 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| 654 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | ClearCapital | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.8 | XXXX |
| 656 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| 657 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| 658 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |

---

## Exhibit 99.6

Rating Agency Multi-Property Valuation Report v10.22

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** | **Completion Report (1004D) Date** |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | 621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 796 | 799 | 770 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 37.01 | 37.83 | 21996.73 | .00 | .00 | .00 | 21996.73 | Employed |  |  |  | 10.36 |  |  |  | NA | 13675.41 | 8321.32 | Taxes and Insurance | 3.16 | XXXX | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | XXXX | XXXX | 8140.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 28357.5 | 1 | 24500 | 181 | 2 | 0.1928433734939759 | 3.75 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 743 | 729 | 743 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 18.59 | 18.98 | 106921.38 | .00 | .00 | .00 | 106921.38 | Employed |  |  |  | 8.38 |  |  |  | NA | 86628.97 | 20292.41 | No Escrow | 18.01 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.375 | 8.375 | XXXX | XXXX | XXXX | 19871.41 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 43995 | 1 | 47500 | 232 | 12 | 0.08449082883020016 | 5.16 | No | N/A | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 624 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 766 | 766 | 766 | 769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 35.81 | 43.48 | 9362.18 | .00 | .00 | .00 | 9362.18 | Employed |  |  |  | 1.21 |  |  |  | NA | 5291.54 | 4070.64 | Taxes and Insurance | 5.96 | XXXX | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | XXXX | XXXX | XXXX | 3352.64 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1867.8 | 1 | 35513 | 75 | 4 | 0.06604938271604938 | 4.00 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 625 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes | true | XXXX | 694 | 694 | 722 | 690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 7.58 | 10.43 | 104954.87 | .00 | .00 | .00 | 104954.87 | Employed |  |  |  | 8.55 |  |  |  | NA | 94003.76 | 10951.11 | Taxes and Insurance | 20.35 | XXXX | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.875 | 8.875 | XXXX | XXXX | XXXX | 7960.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 4151.88 | 1 | 34085 | 65 | 8 | 0.048 | 2.67 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 798 |  | 815 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 5.35 | 5.35 | 75799.53 | .00 | .00 | .00 | 75799.53 | Employed |  |  |  | 2.58 |  |  |  | NA | 71743.23 | 4056.3 | Taxes and Insurance | 154.72 | XXXX | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | XXXX | XXXX | 4056.3 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1995 | 1 | 15000 | 61 | 1 | 0 | 4.00 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Undocumented Non-US Citizen | Yes | false | XXXX | 725 | 725 |  | 732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 18.69 | 36.56 | 16665.24 | .00 | .00 | .00 | 16665.24 | Employed |  |  |  | 17.1 |  |  |  | NA | 10571.88 | 6093.36 | Taxes and Insurance | 9.23 | XXXX | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.625 | 8.625 | XXXX | XXXX | XXXX | 3114.36 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1995 | 1 | 40890 | 130 | 14 | 0.1730389221556886 | 0.33 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 628 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 731 | 725 | 754 | 731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 17.34 | 32.92 | 95421.33 | .00 | .00 | .00 | 95421.33 | Employed |  |  |  | 8.65 |  |  |  | Yes | 64005.14 | 31416.19 | No Escrow | 11.69 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | XXXX | XXXX | XXXX | 16550.79 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1050 | 2 | 37000 | 244 | 16 | 0.3433605220228385 | 7.16 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 648 | 648 | 642 | 659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 10.05 | 39.75 | 44857.07 | .00 | .00 | .00 | 44857.07 | Employed |  |  |  | 4.18 |  |  |  | NA | 27025.62 | 17831.45 | Taxes and Insurance | 1.13 | XXXX | XXXX | XXXX | 51.79 | 51.79 | 51.79 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.375 | 8.375 | XXXX | XXXX | XXXX | 4506.06 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1995 | 1 | 2601 | 145 | 5 | 0.36478260869565216 | 0.75 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No | false | XXXX | 789 | 795 | 789 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 802 | 802 | 811 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 47.37 | 47.94 | 2840.66 | 13785.95 | .00 | .00 | 16626.61 | Employed | Employed |  |  | 3.38 | 4.51 |  |  | 3 YRS | 8656.16 | 7970.45 | Taxes and Insurance | 1.86 | XXXX | XXXX | XXXX | 54.78 | 54.78 | 54.78 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | XXXX | XXXX | XXXX | 7875.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 1590 | 2 | 10900 | 91 | 5 | 0.04843478260869565 | 0.67 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 775 | 775 | 790 | 767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 790 | 796 | 787 | 790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 790 | 811 | 790 | 762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 803 | 786 | 844 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 26.4 | 29.05 | 18837.13 | 8367.33 | 9184.67 | .00 | 36389.13 | Employed | Employed | Employed | Not Employed | 2.99 | 12.58 | 3.61 |  | Yes | 25818.44 | 10570.69 | Taxes and Insurance | 16.45 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.499 | 6.499 | XXXX | XXXX | XXXX | 9606.69 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4 | XXXX | 20495 | 1 | 40275 | 252 | 2 | 0.29932982719759577 | 4.58 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 794 | 816 | 794 | 789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 27.86 | 48.81 | 7474.78 | .00 | .00 | .00 | 7474.78 | Employed |  |  |  | 10.22 |  |  |  | NA | 3826.65 | 3648.13 | Taxes and Insurance | 15.75 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | XXXX | XXXX | XXXX | 2082.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 0 | 1 | 31377 | 253 | 10 | 0.07820481927710843 | 10.00 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 633 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Undocumented Non-US Citizen | Yes | false | XXXX | 713 | 648 | 720 | 713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 27.33 | 44.9 | 16804.79 | .00 | .00 | .00 | 16804.79 | Employed |  |  |  | 7.56 |  |  |  | NA | 9259.19 | 7545.6 | Taxes and Insurance | 7.85 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.999 | 7.999 | XXXX | XXXX | XXXX | 4592.6 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 4231 | 2 | 10932 | 55 | 2 | 0.4476 | 1.08 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 635 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Undocumented Non-US Citizen | No | true | XXXX | 785 | 785 |  | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 33.48 | 34.3 | 8246.06 | .00 | .00 | .00 | 8246.06 | Employed |  |  |  | 15.12 |  |  |  | Yes | 5417.67 | 2828.39 | Taxes and Insurance | 37.69 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | XXXX | XXXX | 2760.39 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1995 | 1 | 9700 | 127 | 4 | 0.08151624548736462 | 1.00 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 636 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 704 | 682 | 704 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.24 | 14.95 | 43982.17 | .00 | .00 | .00 | 43982.17 | Employed |  |  |  | 3.24 |  |  |  | NA | 37406.36 | 6575.81 | Taxes and Insurance | 17.41 | XXXX | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.625 | 8.625 | XXXX | XXXX | XXXX | 4944.52 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | D | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1425 | 1 | 20850 | 221 | 11 | 0.5259392199090691 | 2.00 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 637 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 715 | 695 | 728 | 715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 743 | 761 | 743 | 727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 4.39 | 32.82 | 8954.28 | 18092.00 | .00 | .00 | 27046.28 | Retired | Employed |  |  |  | 5.02 |  |  | Yes | 18169.02 | 8877.26 | Taxes and Insurance | 22.77 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.375 | 8.375 | XXXX | XXXX | XXXX | 3703.4 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | XXXX | 1910 | 2 | 57458 | 312 | 4 | 0.7611265164644714 | 11.33 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 715 | 725 | 703 | 715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.08 | 44.59 | 22315.37 | .00 | .00 | .00 | 22315.37 | Employed |  |  |  | 1.65 |  |  |  | Yes | 12365.07 | 9950.3 | Taxes and Insurance | 19.12 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | XXXX | XXXX | XXXX | 5820.3 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 3905.64 | 1 | 103394 | 124 | 5 | 0.32082926829268293 | 1.67 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 780 | 762 | 782 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 13.35 | 13.5 | 20267.73 | .00 | .00 | .00 | 20267.73 | Employed |  |  |  | 10.58 |  |  |  | NA | 17530.78 | 2736.95 | Taxes and Insurance | 6.84 | XXXX | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.625 | 8.625 | XXXX | XXXX | XXXX | 2704.95 | XXXX | Fixed | 480 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1425 | 1 | 12000 | 181 | 2 | 0.030933333333333334 | 3.00 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 749 | 749 | 759 | 734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 796 | 786 | 796 | 819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 42.57 | 44.64 | 14488.00 | 2076.10 | .00 | .00 | 16564.10 | Employed | Employed |  |  | 17.83 | 9.64 |  |  | Yes | 9169.39 | 7394.71 | Taxes and Insurance | 16.32 | XXXX | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.5 | 8.5 | XXXX | XXXX | XXXX | 7051.71 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 9900.3 | 2 | 28300 | 245 | 3 | 0.18989339019189766 | 4 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 797 | 797 | 806 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 7.2 | 12.39 | 49878.38 | .00 | .00 | .00 | 49878.38 | Employed |  |  |  | 11.96 |  |  |  | Yes | 43700.04 | 6178.34 | Taxes and Insurance | 114.46 | XXXX | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | XXXX | XXXX | 2585.34 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 2903.75 | 2 | 80100 | 167 | 16 | 0 | 4.83 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 644 | 644 | 635 | 675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 29.55 | 33.3 | 26869.00 | .00 | .00 | .00 | 26869.00 | Employed |  |  |  | 8.62 |  |  |  | NA | 17921.35 | 8947.65 | Taxes and Insurance | 25.99 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.625 | 8.625 | XXXX | XXXX | XXXX | 7938.65 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1425 | 1 | 13783 | 212 | 20 | 0.713109756097561 | 2.25 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 808 | 808 | 818 | 791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 40.07 | 41.11 | 6078.70 | .00 | .00 | .00 | 6078.70 | Employed |  |  |  | 9.22 |  |  |  | 2 YRS | 3579.69 | 2499.01 | Taxes and Insurance | 44.84 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | XXXX | XXXX | XXXX | 2436.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1775.71 | 2 | 20800 | 121 | 10 | 0.002398328526867165 | 8 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 715 | 715 | 718 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 17.67 | 46.43 | 33320.75 | .00 | .00 | .00 | 33320.75 | Employed |  |  |  | 14.25 |  |  |  | NA | 17849.76 | 15470.99 | Taxes and Insurance | 31.18 | XXXX | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.375 | 8.375 | XXXX | XXXX | XXXX | 3921.98 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | XXXX | 0 | 2 | 727522 | 289 | 16 | 0.26051845867434753 | 13.00 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 667 | 666 | 691 | 667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 697 | 697 | 710 | 673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 4.58 | 7.35 | .00 | 80116.64 | .00 | .00 | 80116.64 | Not Employed | Employed |  |  | 5.23 | 4.68 |  |  | NA | 74228.4 | 5888.24 | Taxes and Insurance | 47.52 | XXXX | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | XXXX | XXXX | 3667.24 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 13394.63 | 2 | 13282 | 203 | 5 | 0.3783410138248848 | 6.42 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 804 | 804 | 794 | 811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 19.74 | 49.21 | 9858.29 | .00 | .00 | .00 | 9858.29 | Employed |  |  |  | 11.66 |  |  |  | 2 YRS | 5007.03 | 4851.26 | Taxes and Insurance | 215.22 | XXXX | XXXX | XXXX | 43.51 | 43.51 | 43.51 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | XXXX | XXXX | XXXX | 1946.26 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 4418.88 | 2 | 28000 | 156 | 3 | 0.11406451612903226 | 3.50 | No | 0 | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 713 | 708 | 713 | 739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 12.8 | 35.54 | 43048.00 | .00 | .00 | .00 | 43048.00 | Employed |  |  |  | 4.24 |  |  |  | NA | 27750.2 | 15297.8 | Taxes and Insurance | 39.62 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | XXXX | XXXX | XXXX | 5510.8 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 3765 | 1 | 36108 | 237 | 18 | 0.11148723887577391 | 10.08 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 734 | 734 | 736 | 718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 714 | 714 | 706 | 729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Home Improvement/Reno | 5.4 | 29.59 | 54558.00 | .00 | .00 | .00 | 54558.00 | Employed | Unknown |  |  | 10.16 |  |  |  | Yes | 38411.65 | 16146.35 | Taxes and Insurance | 119.19 | XXXX | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | XXXX | XXXX | XXXX | 4234.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | XXXX | 1425 | 5 | 44000 | 418 | 2 | 0.11298 | 30 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 657 | 657 | 657 | 689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 6.37 | 10.7 | 65918.38 | .00 | .00 | .00 | 65918.38 | Employed |  |  |  | 2.13 |  |  |  | NA | 58868.29 | 7050.09 | Taxes and Insurance | 91.92 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | XXXX | XXXX | 4196.09 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 23129.08 | 1 | 83787 | 106 | 17 | 0.025359911406423033 | 3 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 755 | 755 | 775 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 780 | 780 | 766 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 23.83 | 30.97 | 43855.05 | .00 | .00 | .00 | 43855.05 | Employed | Not Employed |  |  | 3.91 |  |  |  | NA | 30270.97 | 13584.08 | Taxes and Insurance | 18.04 | XXXX | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.5 | 8.5 | XXXX | XXXX | XXXX | 10452.08 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 1425 | 1 | 67986 | 232 | 8 | 0.10712166172106825 | 1.33 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 711 | 711 | 640 | 732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 765 | 770 | 738 | 765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 25.68 | 32.44 | 28136.05 | 34390.95 | .00 | .00 | 62527.00 | Employed | Employed |  |  | 10.94 | 10.94 |  |  | Yes | 42243.85 | 20283.15 | Taxes and Insurance | 7 | XXXX | XXXX | XXXX | 69.33 | 69.33 | 69.33 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | XXXX | XXXX | XXXX | 16056.7 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 1425 | 2 | 27600 | 131 | 16 | 0.30631685166498485 | 0.50 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 764 | 801 | 764 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 800 | 800 | 807 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.32 | 21.37 | 39149.82 | .00 | .00 | .00 | 39149.82 | Not Employed | Not Employed |  |  |  |  |  |  | NA | 30782.89 | 8366.93 | No Escrow | 96.09 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | XXXX | XXXX | 6389.91 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 5575 | 1 | 32199 | 269 | 5 | 0.07246376811594203 | 10.50 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 672 | 645 | 672 | 680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 32.15 | 36.58 | 34260.56 | .00 | .00 | .00 | 34260.56 | Employed |  |  |  | 12.11 |  |  |  | 3 YRS | 21729.59 | 12530.97 | No Escrow | 7.51 | XXXX | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | XXXX | XXXX | XXXX | 11013.5 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1425 | 1 | 20636 | 210 | 19 | 0.39990740740740743 | 2 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 654 | 657 | 654 | 628 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 704 | 704 | 720 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 12.86 | 31.03 | 11952.00 | .00 | .00 | .00 | 11952.00 | Employed | Not Employed |  |  | 6.15 |  |  |  | Yes | 8243.55 | 3708.45 | Taxes and Insurance | 18.04 | XXXX | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.25 | 9.25 | XXXX | XXXX | XXXX | 1536.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 1819.63 | 1 | 23891 | 143 | 7 | 0.579453125 | 11 | No |  | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 803 | 813 | 787 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 15.3 | 33.6 | 45943.19 | .00 | .00 | .00 | 45943.19 | Employed |  |  |  | 3.76 |  |  |  | NA | 30506.25 | 15436.94 | Taxes and Insurance | 12.96 | XXXX | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | XXXX | XXXX | XXXX | 7027.39 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | XXXX | 1425 | 5 | 31500 | 231 | 3 | 0.05461176470588235 | 0.58 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 771 | 771 | 772 | 750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 748 | 762 | 748 | 748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 15.6 | 16.28 | 31996.07 | .00 | .00 | .00 | 31996.07 | Employed | Not Employed |  |  | 6.1 |  |  |  | NA | 26786.24 | 5209.83 | No Escrow | 69.5 | XXXX | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | XXXX | XXXX | XXXX | 4989.83 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | XXXX | 350 | 1 | 22500 | 285 | 6 | 0.09210378681626928 | 1.42 | No |  | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |

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## Exhibit 99.6

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** |
| 621 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.918% |  | 7.500% | 7.500% | XXXX | No | XXXX | XXXX | $5481.96 | $456.83 | XXXX | XXXX | $0.00 | $8140.32 | $13675.41 | N/A | XXXX | XXXX | XXXX | XXXX |  | 37.83% | 37.83% | 37.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 70.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 622 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.760% | Manual Underwriting | Manual Underwriting | No | 8.624% |  | 8.375% | 8.375% | XXXX | No | XXXX | XXXX | $7467.96 | $622.33 | XXXX | XXXX | $0.00 | $19871.41 | $86628.97 | N/A | XXXX | XXXX | XXXX | XXXX | Annually | 19.01% | 18.98% | 18.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 624 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 7.070% | Manual Underwriting | Manual Underwriting | No | 8.097% |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | $1241.04 | $103.42 | XXXX | XXXX | $0.00 | $3352.64 | $5291.54 | N/A | XXXX | XXXX | XXXX | XXXX |  | 43.48% | 43.48% | 43.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 625 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 9.341% |  | 8.875% | 8.875% | XXXX | No | XXXX | XXXX | $2919.00 | $243.25 | XXXX | XXXX | $0.00 | $7960.45 | $94003.76 | N/A | XXXX | XXXX | XXXX | XXXX |  | 11.77% | 10.43% | 10.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 626 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.163% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | $3480.96 | $290.08 | XXXX | XXXX | $0.00 | $4056.30 | $71743.23 | N/A | XXXX | XXXX | XXXX | XXXX |  | 7.89% | 5.35% | 5.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 627 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 9.150% |  | 8.625% | 8.625% | XXXX | No | XXXX | XXXX | $1819.56 | $151.63 | XXXX | XXXX | $0.00 | $3114.36 | $10571.88 | N/A | XXXX | XXXX | XXXX | XXXX |  | 36.56% | 36.56% | 36.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 628 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.174% |  | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | $9525.96 | $793.83 | XXXX | XXXX | $0.00 | $16550.79 | $64005.14 | N/A | XXXX | XXXX | XXXX | XXXX |  | 32.92% | 32.92% | 32.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 629 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 8.703% |  | 8.375% | 8.375% | XXXX | No | XXXX | XXXX | $4405.68 | $367.14 | XXXX | XXXX | $0.00 | $4506.06 | $27025.62 | N/A | XXXX | XXXX | XXXX | XXXX | Annually | 39.75% | 39.75% | 39.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 630 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 6.690% |  | 6.625% | 6.625% | XXXX | No | XXXX | XXXX | $1449.96 | $120.83 | XXXX | XXXX | $0.00 | $7875.45 | $8656.16 | N/A | XXXX | XXXX | XXXX | XXXX |  | 48.06% | 47.94% | 47.94% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 82.91% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 631 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 6.696% |  | 6.499% | 6.499% | XXXX | No | XXXX | XXXX | $2280.96 | $190.08 | XXXX | XXXX | $0.00 | $9606.69 | $25818.44 | N/A | XXXX | XXXX | XXXX | XXXX |  | 29.05% | 29.05% | 29.05% | No | No | 1 - Not Stated Not Verified | 4 - Verified 2+ Mos | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns | 1 - Not Stated, Not Verified | 3 - Stated, 3rd Party Verification | 1 - Not Stated, Not Verified | Employed | Employed | Employed | Not Employed | 3.61 | .00 | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 150 | 25 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower 2 - Wage - 2 YRS W2 Verified, Written VOE Verified, Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower 3 - Executed 4506T Verified | Borrower - Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower 2 - Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower 3 - Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 632 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.526% |  | 7.375% | 7.375% | XXXX | No | XXXX | XXXX | $1178.04 | $98.17 | XXXX | XXXX | $0.00 | $2082.13 | $3826.65 | N/A | XXXX | XXXX | XXXX | XXXX | Annually | 50.32% | 48.81% | 48.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 633 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.650% | Manual Underwriting | Manual Underwriting | No | 8.421% |  | 7.999% | 7.999% | XXXX | No | XXXX | XXXX | $1623.96 | $135.33 | XXXX | XXXX | $0.00 | $4592.60 | $9259.19 | N/A | XXXX | XXXX | XXXX | XXXX |  | 44.90% | 44.90% | 44.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 635 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.650% | Manual Underwriting | Manual Underwriting | No | 8.253% |  | 7.875% | 7.875% | XXXX | No | XXXX | XXXX | $1130.04 | $94.17 | XXXX | XXXX | $0.00 | $2760.39 | $5417.67 | N/A | XXXX | XXXX | XXXX | XXXX |  | 34.30% | 34.30% | 34.30% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 181 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 636 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.878% |  | 8.625% | 8.625% | XXXX | No | XXXX | XXXX | $3846.00 | $320.50 | XXXX | XXXX | $0.00 | $4944.52 | $37406.36 | N/A | XXXX | XXXX | XXXX | XXXX |  | 14.95% | 14.95% | 14.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 637 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | XXXX | No | XXXX | XXXX | $1028.04 | $85.67 | XXXX | XXXX | $0.00 | $3703.40 | $18169.02 | Yes | XXXX | XXXX | XXXX | XXXX | Monthly | 46.52% | 32.82% | 32.82% | Yes | Yes |  |  |  |  |  |  | Retired | Self-Employed |  |  |  |  | 1099 Verified | 0 | 2 YRS 1099 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Retirement, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Executed 4506T Verified, Award Letter Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - 2 YRS 1099 Verified, Executed 4506T Verified - 2023, 2024 | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 638 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.715% |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | $1973.76 | $164.48 | XXXX | XXXX | $0.00 | $5820.30 | $12365.07 | N/A | XXXX | XXXX | XXXX | XXXX |  | 44.59% | 44.59% | 44.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 639 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.996% |  | 8.625% | 8.625% | XXXX | No | XXXX | XXXX | $3309.36 | $275.78 | XXXX | XXXX | $0.00 | $2704.95 | $17530.78 | N/A | XXXX | XXXX | XXXX | XXXX |  | 13.50% | 13.50% | 13.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 640 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.689% |  | 8.500% | 8.500% | XXXX | No | XXXX | XXXX | $3726.00 | $310.50 | XXXX | XXXX | $0.00 | $7051.71 | $9169.39 | N/A | XXXX | XXXX | XXXX | XXXX |  | 44.64% | 44.64% | 44.64% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 87.47% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 641 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | XXXX | No | XXXX | XXXX | $1860.00 | $155.00 | XXXX | XXXX | $0.00 | $2585.34 | $43700.04 | N/A | XXXX | XXXX | XXXX | XXXX | Annually | 12.54% | 12.39% | 12.39% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 642 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.986% |  | 8.625% | 8.625% | XXXX | No | XXXX | XXXX | $3939.96 | $328.33 | XXXX | XXXX | $0.00 | $7938.65 | $17921.35 | N/A | XXXX | XXXX | XXXX | XXXX |  | 33.30% | 33.30% | 33.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 644 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.850% | Manual Underwriting | Manual Underwriting | No | 7.816% |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | $823.32 | $68.61 | XXXX | XXXX | $0.00 | $2436.01 | $3579.69 | Yes | XXXX | XXXX | XXXX | XXXX | Monthly | 40.31% | 41.11% | 41.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 YR 1099 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 645 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | XXXX | 6.850% | Manual Underwriting | Manual Underwriting | No | 8.590% |  | 8.375% | 8.375% | XXXX | No | XXXX | XXXX | $529.92 | $44.16 | XXXX | XXXX | $0.00 | $3921.98 | $17849.76 | Yes | XXXX | XXXX | XXXX | XXXX | Monthly | 47.14% | 46.43% | 46.43% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | Less than 1 Month |  | N/A | 0 |  |  | 1 | 1 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR W2 Verified, Less than 1 Month Paystubs Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1) - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 646 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.850% | Manual Underwriting | Manual Underwriting | No | 8.227% |  | 7.875% | 7.875% | XXXX | No | XXXX | XXXX | $1080.96 | $90.08 | XXXX | XXXX | $0.00 | $3667.24 | $74228.40 | N/A | XXXX | XXXX | XXXX | XXXX |  | 7.35% | 7.35% | 7.35% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 647 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.300% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | $1451.04 | $120.92 | XXXX | XXXX | $0.00 | $1946.26 | $5007.03 | N/A | XXXX | XXXX | XXXX | XXXX |  | 49.15% | 49.21% | 49.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | Yes | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 24 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 648 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.008% |  | 7.875% | 7.875% | XXXX | No | XXXX | XXXX | $2924.04 | $243.67 | XXXX | XXXX | $0.00 | $5510.80 | $27750.20 | N/A | XXXX | XXXX | XXXX | XXXX |  | 35.54% | 35.54% | 35.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 60.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 649 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | XXXX |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | $1353.96 | $112.83 | XXXX | XXXX | $0.00 | $4234.01 | $38411.65 | N/A | XXXX | XXXX | XXXX | XXXX |  | 37.36% | 29.59% | 29.59% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 650 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.850% | Manual Underwriting | Manual Underwriting | No | 8.155% |  | 7.500% | 7.500% | XXXX | No | XXXX | XXXX | $3708.96 | $309.08 | XXXX | XXXX | $0.00 | $4196.09 | $58868.29 | N/A | XXXX | XXXX | XXXX | XXXX |  | 10.70% | 10.70% | 10.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 651 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.640% |  | 8.500% | 8.500% | XXXX | No | XXXX | XXXX | $3266.04 | $272.17 | XXXX | XXXX | $0.00 | $10452.08 | $30270.97 | N/A | XXXX | XXXX | XXXX | XXXX | Annually | 30.97% | 30.97% | 30.97% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 652 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.850% | Manual Underwriting | Manual Underwriting | No | 7.138% |  | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | $9792.00 | $816.00 | XXXX | XXXX | $0.00 | $16056.70 | $42243.85 | N/A | XXXX | XXXX | XXXX | XXXX |  | 32.44% | 32.44% | 32.44% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 45.00% | 55.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SECorporation - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 653 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.850% | Manual Underwriting | Manual Underwriting | No | 7.608% |  | 7.500% | 7.500% | XXXX | No | XXXX | XXXX | $6186.96 | $515.58 | XXXX | XXXX | $0.00 | $6389.91 | $30782.89 | N/A | XXXX | XXXX | XXXX | XXXX | Annually | 21.37% | 21.37% | 21.37% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2024 - 2024 \|\| Co Borrower | Borrower - 2024 - 2024 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 654 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.648% |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | $1650.00 | $137.50 | XXXX | XXXX | $0.00 | $11013.50 | $21729.59 | N/A | XXXX | XXXX | XXXX | XXXX |  | 36.88% | 36.58% | 36.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 70.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 656 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.650% | Manual Underwriting | Manual Underwriting | No | 9.476% |  | 9.250% | 9.250% | XXXX | No | XXXX | XXXX | $2313.96 | $192.83 | XXXX | XXXX | $0.00 | $1536.45 | $8243.55 | N/A | XXXX | XXXX | XXXX | XXXX |  | 31.03% | 31.03% | 31.03% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 657 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.146% |  | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | $1365.00 | $113.75 | XXXX | XXXX | $0.00 | $7027.39 | $30506.25 | N/A | XXXX | XXXX | XXXX | XXXX |  | 33.60% | 33.60% | 33.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 658 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XXXX | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.700% |  | 7.500% | 7.500% | XXXX | No | XXXX | XXXX | $1736.88 | $144.74 | XXXX | XXXX | $0.00 | $4989.83 | $26786.24 | Yes | XXXX | XXXX | XXXX | XXXX | Monthly | 16.29% | 16.28% | 16.28% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| 621 |  | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.2 | XXXX | 3.2 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 622 |  | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 18 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 624 |  | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6 | XXXX | 6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 625 |  | XXXX | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | Employment Authorization Card or Document |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 20.4 | XXXX | 20.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 626 |  | XXXX | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 154.7 | XXXX | 154.7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 627 |  | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Consular Card |  | XXXX | Mexico | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.2 | XXXX | 9.2 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 628 |  | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.1 | XXXX | 11.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 629 |  | XXXX | 648 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1 | XXXX | 1.1 | No | 51.79 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 630 |  | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.9 | XXXX | 1.9 | No | 54.78 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 631 |  | XXXX | 775 | 811 | 790 | 762 | 786 | 844 | 803 | 790 | 803 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States | XXXX | United States of America | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  |  | N/A |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.5 | XXXX | 16.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | Borrower As Individual |
| 632 |  | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.8 | XXXX | 15.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 633 |  | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10 | XXXX | 7.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 635 |  | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Consular Card |  | XXXX | GUATEMALA | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 37.7 | XXXX | 37.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 636 |  | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17.3 | XXXX | 17.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 637 |  | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 22.8 | XXXX | 22.8 | No | 80 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 638 |  | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 23.6 | XXXX | 19.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 639 |  | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.8 | XXXX | 6.8 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 640 |  | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.3 | XXXX | 16.3 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 641 |  | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 114.5 | XXXX | 114.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 642 |  | XXXX | 644 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 26 | XXXX | 26 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 644 |  | XXXX | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 44.8 | XXXX | 44.8 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 645 |  | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States | XXXX | UNITED STATES | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 31.2 | XXXX | 31.2 | No | 75 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 646 |  | XXXX | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.8 | XXXX | 47.5 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 647 |  | XXXX | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 215.2 | XXXX | 215.2 | No | 43.51 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 648 |  | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 39.6 | XXXX | 39.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 649 |  | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 119.2 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 650 |  | XXXX | 657 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 91.9 | XXXX | 91.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 651 |  | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18 | XXXX | 18 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 652 |  | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7 | XXXX | 7 | No | 69.33 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 653 |  | XXXX | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 96.1 | XXXX | 96.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 654 |  | XXXX | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.5 | XXXX | 7.5 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 656 |  | XXXX | 654 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 18 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 657 |  | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13 | XXXX | 13 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 658 |  | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 69.5 | XXXX | 69.5 | No | 75 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |

---

## Exhibit 99.6

Multi Property Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Record ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property ID** | **Loan Status** | **Loan Status Date** | **Originator** | **Property Address** | **City** | **State** | **Zip Code** | **Original Balance** | **Allocation Percent** | **Primary Appraisal Date** | **Owner Occupancy** | **Property Type** | **Primary Appraisal Value** | **Primary Appraisal Type** | **LTV** | **Reviewed Appraised Value** | **Reviewed Appraisal Type** | **Property Units** | **P&I Payment** | **T & I & A Payment** | **Monthly Taxes** | **Monthly Insurance** | **Property Acquisition Date** | **Property Acquisition Price** | **Rent** | **Type of Rent to Qualify** | **Rent in Place from Lease** | **Short Term Rent** | **Short Term Rent Source** | **Short Term Rent Term** | **Short Term Rent Term Number** | **Third Party Market Rent Estimate** | **Third Party Market Rent Source** | **Rented Flag** | **Annual HOA** | **Property Condition** | **Year Built** | **DSCR** | **Loan Release Provision** | **Percent Paydown for Release** | **Release Paydown Amount** |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 637 | XXXX | XXXX | XXXX | XXXX | 1099 Verified | Present | No - Vacant | 0 | 3150 | Appraisal - 1007 |  | N/A |  |  | 3150 | Appraisal - 1007 | No | 117.57 | 0.0 | 0 | 3703.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6000 |  | XXXX |  | 3150 |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 22.77 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 641 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 107.72 | 0.0 | 0 | 2585.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 2400 |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 114.46 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 645 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  | 0.0 | 0 | 3921.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  | XXXX |  | 0 |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 31.18 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |

---

## Exhibit 99.6

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 621 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 622 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 624 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 625 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 625 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 625 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.43 | 11.77 | XXXX |
| 626 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 626 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | XXXX |
| 626 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 290.08 | 333.52 | XXXX |
| 626 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 5.35 | 5.41 | XXXX |
| 626 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 5.35 | 5.41 | XXXX |
| 627 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | XXXX |
| 627 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 628 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 628 |  |  | XXXX | Interest Rate | notePage | 7.125 | 0.0000 | XXXX |
| 628 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 628 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 793.83 | 0.00 | XXXX |
| 629 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 629 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | XXXX |
| 629 |  |  | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | XXXX |
| 630 |  |  | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | XXXX |
| 630 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 630 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | coming soon | XXXX |
| 630 |  |  | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| 630 |  |  | XXXX | Interest Rate | notePage | 6.625 | 0.0000 | XXXX |
| 630 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 630 |  |  | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | XXXX |
| 630 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 120.83 | 0.00 | XXXX |
| 630 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.94 | 48.06 | XXXX |
| 631 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | coming soon | XXXX |
| 631 |  |  | XXXX | Interest Rate | notePage | 6.499 | 0.0000 | XXXX |
| 631 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 631 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 631 |  |  | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | XXXX |
| 631 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 190.08 | 0.00 | XXXX |
| 632 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 632 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 27.86 | 27.80 | XXXX |
| 632 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.81 | 49.41 | XXXX |
| 633 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 635 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 636 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 636 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 637 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 743 | 715 | XXXX |
| 637 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 637 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 1099 Verified | ALT DOC | XXXX |
| 637 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | XXXX |
| 637 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3703.4 | 3228.40 | XXXX |
| 637 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.82 | 34.01 | XXXX |
| 638 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 638 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 639 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 640 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 640 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 641 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 641 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2585.34 | 2535.34 | XXXX |
| 642 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 644 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 1YR Full Doc | ALT DOC | XXXX |
| 644 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2436.01 | 2301.01 | XXXX |
| 645 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 1YR Full Doc | Full Doc | XXXX |
| 645 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3921.98 | 3175.98 | XXXX |
| 645 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.43 | 47.14 | XXXX |
| 646 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | XXXX |
| 646 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 646 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 647 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | XXXX |
| 647 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.21 | 49.15 | XXXX |
| 648 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 648 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 649 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 734 | 714 | XXXX |
| 649 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 649 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 650 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 650 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 651 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 651 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 651 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 10452.08 | 10343.75 | XXXX |
| 652 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 652 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 653 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| 653 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | XXXX |
| 653 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 6389.91 | 4642.78 | XXXX |
| 654 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 654 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 654 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 11013.5 | 10581.52 | XXXX |
| 654 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.58 | 36.96 | XXXX |
| 656 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 656 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 657 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 657 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7027.39 | 7268.32 | XXXX |
| 657 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.6 | 34.12 | XXXX |
| 658 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 771 | 748 | XXXX |
| 658 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 658 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 658 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4989.83 | 3461.11 | XXXX |
| 658 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.28 | 26.40 | XXXX |

---

## Exhibit 99.7

**Exhibit 99.7**

![](n5122_maxwell.jpg)

**EXECUTIVE SUMMARY<br> THIRD PARTY DUE DILIGENCE REVIEW**

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party due diligence provider, performed the review described below on behalf of its client(s), ("Loan Funding Structure VI LLC"). The review included a total of 21 originated residential mortgage loans, in connection with the securitization identified as ("BRAVO 2025-NQM6") (the "Securitization"). The review was done from November 2024 to June 2025.

**Scope of Review**

**Credit Review**

MaxDiligence performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application,
final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to
closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of DTI / DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of Hazard coverage and verification that sufficient coverage was in place on subject and all
premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage Insurance Certificate was in file, if applicable, and coverage was sufficient, and premium
was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of Rental income and /or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease Agreements and Market rent, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required
signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, the review will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated based
on the applicable investor guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R.
Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Reviewed applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each
mortgage loan's originator designation of QM, Non-QM, or exempt from ATR. (MaxDiligence determines the mortgage loan's status
under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, the review notes as a material
exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, the notes if an
originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The review utilized the following designations for applicable loans: QM designations: QM Safe-Harbor,
Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, MaxDiligence reviews the
mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage
loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable
QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or
before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation,
if the debt-to-income ratio exceeds 43%

(calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, reviews the mortgage loan to determine whether, based on available
information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, reviewer
then determines whether the mortgage loan is a Safe Harbor QM or QM Rebuttable Presumption by comparing the mortgage loan's actual
annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also
includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban
Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above,
MaxDiligence then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements, as defined
within the applicable underwriting guidelines, and provides a due diligence designation of Non-QM indicating compliant, ATR risk indicating
it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Perform reviews on the mortgage loan to determine whether, based on available information in the mortgage
loan file, the creditor considered, as applicable, the following eight underwriting factors, and will verify such information using reasonably
reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
to close and required reserves, to Confirm that the borrower has current or reasonably expected income or assets (other than the value
of the property that secures the Loan) that the borrower will rely on to repay the Loan.

● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used to
calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment calculation includes principle,
interest, taxes, and insurance ("PITI"), as well as other costs related to the property such as homeowners' association
("HOA") fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual income," based
upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation provided in the
file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit depth, including any /
all inquiries, and determine a representative credit score from the credit report

**Property Review**

MaxDiligence performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Valuation Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's review will include a review of the valuation materials utilized during the origination
of the loan and in confirming the value of the underlying property. MaxDiligence's review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender or a related entity that
is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains a transfer
letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of the mortgage loan application;
Any revisions, if made known to MaxDiligence, to the original report are documented and dated completed and dated within the guideline's
restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including all inspections, licenses,
and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property
and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party
valuation product. If a third-party valuation product is in file but notes a variance above 10% or an inconclusive value, MaxDiligence
will recommend a BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, MaxDiligence's review will (a) review the relative
comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties
are within standard appraisal guidelines; (b) confirm the property value and square footage of the subject property was bracketed by comparable
properties, (c verify that comparable properties used are similar in size, style, and location to the subject, and (d) check for the reasonableness
of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of MaxDiligence's review include (i) verifying that the address matched the mortgage
note, ((ii) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying
the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal
notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the
property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which
the valuation was ordered and that there are no negative external factors; and (vi) confirming that the value product that was used as
part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, MaxDiligence will confirm consistency among the valuation products
and if there are discrepancies that could not be resolved, MaxDiligence will create an exception and work with the client on the next
steps which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions,
and full appraisals. If the property valuation products included in MaxDiligence's review result in a variance of more than 10%
then the client will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence will confirm, to the extent possible, that the appraiser and the appraisal made by such
appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence will review the appraisal for conformity to
industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and
that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence will access the ASC database to verify that the appraiser, and if applicable
the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**Compliance Review**

MaxDiligence performed a "Compliance Review" below, which is applicable to Loans originated on or after October 3, 2015, excluding investment properties, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. MaxDiligence worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the Initial LE and confirm (i) the correct form was used; (ii) all
sections of the Initial LE are completed; and (iii) the Initial LE accurately reflects the information provided to MaxDiligence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a Revised LE, confirm (i) that there is a "valid reason"
for the Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine which LE in the file is the "final binding" LE for
the purpose of Tolerance Testing. A Revised LE that is issued after the CD, or that does not state a valid reason will not be used for
the purposes of Tolerance Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm initial LE was delivered within three (3) Business Days from the
application date, and at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm revised LE was delivered within three (3) Business Days from date
of the "valid reason" giving rise to the Revised LE, and at least four (4) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that certain sections of each LE determined to carry assignee liability
were accurately completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the correct form was used; (ii) all
sections of the CD are completed; and (iii) the CD accurately reflects the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirm (i) that there was a valid reason
for the change; (ii) that the CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires
a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm Initial CD, and any subsequent CD with material changes (i.e. changes
that require a new waiting period), was received at least three (3) Business Days prior to the consummation date. With respect to applicable
exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was
delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with
respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later
than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented
by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and
to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) Business Day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable loan that gives rise
to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount
financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding
LE to those in the final CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total of payments are considered
accurate as defined by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there
is evidence that certain changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator
followed the prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
and iii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as
well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing
the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered
or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file
contains documentary evidence that the disclosure was provided to the borrower; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business Days
after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection
with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator
Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review relevant documentation to determine if compensation to a Loan Originator was based on a term of
the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor
provisions were satisfied.

● Note: Where available, MaxDiligence reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, MaxDiligence's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan
to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure to
resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review for presence of mortgage loan originator organization and individual mortgage loan originator name
and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing
Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business Days
of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage loan file
or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm the Your Home Loan Toolkit /Special Information Booklet was provided within three (3) Business
Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the
event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business Days
of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the borrower a list of homeownership counselling organizations within
three (3) Business Days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirm that the list of homeownership counselling organizations was obtained no earlier than 30 days
prior to when the list was provided to the mortgage loan applicant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation
B, 12 C.F.R. Part 1002, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) With respect to a borrower that has waived the three (3) Business Day disclosure
requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) Business Days prior to consummation;
and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution
and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect
to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home"
mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were
enacted to combat predatory lending, as may have been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including Escrow Closing Notice; and
Mortgage servicing transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For Loans made by an FDIC-supervised institution or servicer, extended or
renewed on or after January 1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether the loans comply with all federal, state or local laws, constitutional
provisions, regulations or ordinances that are not expressly enumerated above.

 **Data Discrepancy**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 21 mortgage loans reviewed, 13 unique mortgage loans (by loan count) had a total of 22 different tape discrepancies across 10 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;21 | &nbsp;&nbsp;9.52% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;10 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Date Last Rate Was Set | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;21 | &nbsp;&nbsp;9.52% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;16 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;11 | &nbsp;&nbsp;63.64% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 66.67% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &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;**21** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;17 | &nbsp;&nbsp;80.95% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;19.05% |

---

---

| | | |
|:---|:---|:---|
| &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;**21** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;18 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &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;**21** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (i.e., a loan with a Credit Grade of "A", a Compliance Grade of "B", and a Valuation Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval - Lender Income Calculation Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 10 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 2 Missing | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;FEMA Declared Disaster Area Post Closing Review | &nbsp;&nbsp;2 |
| | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Hazard Insurance Expiration Date is before the Note Date | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;HO-6 Insurance Policy is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Latest/Final Application Document is Unexecuted Improperly Executed | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Business Purpose Affidavit | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Fraud Product | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;4 |
| | &nbsp;&nbsp;OFAC Check Not Completed and/or Cleared | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;3 |
| | &nbsp;&nbsp;Title Commitment - Other | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Title Coverage is Less than Subject Lien(s) Total | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***30*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Condo - Master Policy Insufficient | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Income - Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;20 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***20*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Property Issue - FEMA Declared Diaster Area | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;***Total Property Grade (B) Exceptions*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;1-4 Family Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***22*** |

---

**Event Grade Definitions:**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Property Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

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## Exhibit 99.7

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| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 600 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 2822755 | 1 of 4 | 2024-11-15 19:36 | Compliance | The Final 1003 is Missing | The final 1003 is missing. Missing the final 1003 for both borrowers - signed. <br>|  | Document Uploaded. Loan Apps - 12/11/2024 <br>Document Uploaded. 1003 is not required with this loan type - 11/26/2024<br>| Finding added in error. Loan is a DSCR loan and a final signed 1003 is not required. - 12/11/2024<br>Document Uploaded. Loan Apps - 12/11/2024<br>Document provided is not the final application, signed. - 11/27/2024<br>Document Uploaded. 1003 is not required with this loan type - 11/26/2024<br>|  | 2024-12-11 21:49 | Void | 3 |  | 3 | 2 |
| 600 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 2823370 | 2 of 4 | 2024-11-15 20:36 | Compliance | 1-4 Family Rider is Missing | The file is missing the 1-4 Family Rider. <br>|  | Document Uploaded. Per our legal team we do not use a 1-4 Family Rider because our loan documents have an assignment of rents clause.<br> - 01/03/2025<br>| Documentation provided is sufficient. - 01/07/2025<br>Document Uploaded. Per our legal team we do not use a 1-4 Family Rider because our loan documents have an assignment of rents clause.<br> - 01/03/2025<br>|  | 2025-01-07 13:37 | Resolved | 3 | 1 | 3 | 2 |
| 600 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 2823570 | 3 of 4 | 2024-11-15 21:03 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2024-11-15 21:03 | Cleared | 1 | 1 | 3 | 2 |
| 600 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 2823940 | 4 of 4 | 2024-11-15 21:46 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited loan amount is less than the guideline Minimum loan amount. The file reflects an email chain regarding an exception, due to the loan amount being less than the minimum acceptable. <br>|  |  |  | 776 FICO score for B1 // 792 FICO for B2, 1.505 DSCR, 12 months of reserves, borrower experience in managing rentals. | 2024-11-15 23:33 | Waived | 2 | 2 | 3 | 2 |
| 601 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 2957236 | 1 of 5 | 2024-12-08 22:18 | Credit | Approval - Lender Income Calculation Missing | The loan file did not contain the lender income calculation worksheet as required. Could not locate the income calculator in the file for the business bank statement income. <br>|  | Document Uploaded. Income calculation - 12/11/2024<br>| Received originator bank statement worksheet. Although the months utilized do not coincide with the bank statements in file, the qualifying income per 1008 was less than what was calculated based on the most recent 12 months bank statements provided. - 12/12/2024<br>Document Uploaded. Income calculation - 12/11/2024<br>|  | 2024-12-12 19:49 | Resolved | 3 | 1 | 3 | 1 |
| 601 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 2957241 | 2 of 5 | 2024-12-08 22:29 | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. Auditor could not locate the page of the hazard policy showing the premium. <br>|  | Document Uploaded. Subject property - Premium XXXXXX- 12/13/2024 <br> Document Uploaded. Premium $XXXXXX Page 7 of document. Full Dec page provided - 12/11/2024 | Documentation provided is acceptable. - 12/16/2024<br> Document Uploaded. Subject property - Premium $XXXXXX- 12/13/2024<br> Received evidence of insurance for property located at XXXXXX when the subject property address is located at XXXXXX and was already in file. Provide evidence of the annual premium for the subject property H06 insurance with XXXXXX. - 12/12/2024<br> Document Uploaded. Premium $XXXXXX Page 7 of document. Full Dec page provided - 12/11/2024 |  | 2024-12-16 21:20 | Resolved | 3 | 1 | 3 | 1 |
| 601 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 2957586 | 3 of 5 | 2024-12-09 05:42 | Credit | Latest/Final Application Document is Unexecuted Improperly Executed | Missing final loan application signature page. <br>|  | Document Uploaded. Final signed 1003 - 12/11/2024<br>| Received final loan application for subject property executed XXXXXX. - 12/12/2024<br> Document Uploaded. Final signed 1003 - 12/11/2024 |  | 2024-12-12 19:41 | Resolved | 3 | 1 | 3 | 1 |
| 601 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 2957588 | 4 of 5 | 2024-12-09 05:43 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2024-12-09 05:43 | Cleared | 1 | 1 | 3 | 1 |
| 601 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 2957589 | 5 of 5 | 2024-12-09 05:43 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2024-12-09 05:43 | Cleared | 1 | 1 | 3 | 1 |
| 602 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 2894217 | 1 of 4 | 2024-11-27 14:35 | Compliance | The Final 1003 is Missing | The final 1003 is missing. The final 1003 is missing in the file. <br>|  | DSCR - final 1003 not required - 12/03/2024<br>| The final 1003 has been provided. - 12/04/2024<br>DSCR - final 1003 not required - 12/03/2024<br>|  | 2024-12-04 16:01 | Resolved | 3 | 1 | 3 | 1 |
| 602 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 2894218 | 2 of 4 | 2024-11-27 14:35 | Compliance | The Initial 1003 is Missing | The Initial 1003 is missing. The initial 1003 is missing in the file. <br>|  | Document Uploaded. Full Loan AppXXXXXX - 1003 not required for DSCR loan. This is our XXXXXX approved equivalent - 12/03/2024 | The Initial 1003 is present. - 12/04/2024<br> Document Uploaded. Full Loan AppXXXXXX - 1003 not required for DSCR loan. This is our XXXXXX approved equivalent - 12/03/2024 |  | 2024-12-04 16:01 | Resolved | 3 | 1 | 3 | 1 |
| 602 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 2894843 | 3 of 4 | 2024-11-27 15:24 | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. Per guidelines, Data integrity is crucial to having a quality loan file delivery and mitigation of fraud risk. All loans must be submitted to an automated fraud and data check tool (i.e. XXXXXX, XXXXXX, etc.). A copy of the findings report must be provided in the loan file along with any documentation resolving any deficiencies or red flags noted. <br>|  | Document Uploaded. Background and XXXXXX Searches - 12/03/2024 | Third party fraud report is provided - 12/04/2024<br> Document Uploaded. Background and XXXXXX Searches - 12/03/2024 |  | 2024-12-04 16:01 | Resolved | 3 | 1 | 3 | 1 |
| 602 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 2894847 | 4 of 4 | 2024-11-27 15:24 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2024-11-27 15:24 | Cleared | 1 | 1 | 3 | 1 |
| 603 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3042468 | 1 of 4 | 2024-12-19 14:26 | Credit | Cash Out Does Not Meet Guideline Requirements | Cash out does not meet guideline requirements. Cash-out Limit - Cash-out to the borrower limited to the greater of $XXXXXX or 1% of the loan amount. Borrower received $XXXXXX cash back which is greater than $XXXXXX and 1% ($XXXXXX). Missing exception in the loan file. <br>|  | Document Uploaded. PCCD w PR added per request: <br>FROM XXXXXX: After review, we are unable to make an exception on this one, you would have to do a $XXXXXX principal reduction and then the file will qualify as R/T without exception. - 01/07/2025 | Document Uploaded. PCCD w PR added per request: <br>FROM XXXXXX: After review, we are unable to make an exception on this one, you would have to do a $XXXXXX principal reduction and then the file will qualify as R/T without exception. - 01/07/2025 |  | 2025-01-08 16:01 | Resolved | 3 | 1 | 3 | 1 |
| 603 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3042816 | 2 of 4 | 2024-12-19 14:48 | Credit | FEMA Declared Disaster Area Post Closing Review | The subject property was located in a XXXXXX declared disaster area. Post closing property inspection report required. Subject is located in XXXXXX Appraisal XXXXXX completed prior to disaster. Closing XXXXXX XXXXXX(FXXXXXX XXXXXX subject located in disaster/designated area. Public assistance offered. Disaster Inspection Report confirming no damage to the subject and no adverse impact to marketability. The practice of obtaining a Disaster Inspection Report should continue for a minimum of XXXXXX from the date of the disaster and display a completion date that doesn't exceed XXXXXX prior to the loan closing. <br>|  |  | Received PDI showing no damage - 01/06/2025<br>|  | 2025-01-06 18:59 | Resolved | 3 | 1 | 3 | 1 |
| 603 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3042845 | 3 of 4 | 2024-12-19 14:52 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2024-12-19 14:52 | Cleared | 1 | 1 | 3 | 1 |
| 603 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3045178 | 4 of 4 | 2024-12-19 17:14 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2024-12-19 17:14 | Cleared | 1 | 1 | 3 | 1 |
| 604 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3172789 | 1 of 4 | 2025-01-09 16:38 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-09 16:38 | Cleared | 1 | 1 | 3 | 2 |
| 604 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3175769 | 2 of 4 | 2025-01-09 20:20 | Credit | Hazard Insurance Expiration Date is before the Note Date | Hazard insurance expiration date is prior to or equal to the Note date. The declarations page reflects the insurance expiration date was XXXXXX. Please provide documentation to support hazard insurance was in place as of the date of closing.<br>|  | Document Uploaded. HOI Renewal - 01/14/2025<br>| Documentation provided is sufficient. - 01/15/2025<br> Hazard Insurance Expiration Date of XXXXXX is after the Note Date of XXXXXX Or Hazard Insurance Expiration Date Is Not Provided - 01/15/2025<br> Document Uploaded. HOI Renewal - 01/14/2025 |  | 2025-01-15 14:42 | Resolved | 3 | 1 | 3 | 2 |
| 604 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3176102 | 3 of 4 | 2025-01-09 20:39 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-09 20:39 | Cleared | 1 | 1 | 3 | 2 |
| 604 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3255126 | 4 of 4 | 2025-01-22 17:43 | Property | Property Issue - FEMA Declared Diaster Area | The subject property was located in a XXXXXX declared disaster area.  |  | Document Uploaded. - 01/22/2025<br>| Received Post Disaster Inspection which showed subject property was not impacted by the XXXXXX fires. - 01/22/2025<br> Document Uploaded. - 01/22/2025 | Per PDI report, no damage to the property; >$XXXXXX residual income, 770 FICO | 2025-06-03 19:14 | Waived | 3 | 2 | 3 | 2 |
| 605 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3235882 | 1 of 7 | 2025-01-18 13:46 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-01-21 23:26 | Cleared | 1 | 1 | 3 | 2 |
| 605 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3236062 | 2 of 7 | 2025-01-18 19:59 | Credit | OFAC Check Not Completed and/or Cleared | XXXXXX check not completed and/or cleared.  |  | Document Uploaded. XXXXXX- 01/24/2025 | XXXXXX Check Completed and Cleared - 01/27/2025<br> Document Uploaded. XXXXXX - 01/24/2025 |  | 2025-01-27 16:08 | Resolved | 3 | 1 | 3 | 2 |
| 605 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3236063 | 3 of 7 | 2025-01-18 19:59 | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. <br>|  | Document Uploaded.XXXXXX - 01/24/2025 | Third party fraud report is provided - 01/27/2025<br> Document Uploaded. XXXXXX - 01/24/2025 |  | 2025-01-27 16:08 | Resolved | 3 | 1 | 3 | 2 |
| 605 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3236065 | 4 of 7 | 2025-01-18 19:59 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-18 19:59 | Cleared | 1 | 1 | 3 | 2 |
| 605 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3306857 | 5 of 7 | 2025-01-29 16:44 | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. <br>|  | Document Uploaded. - 01/29/2025<br>| Approval/Underwriting Summary is fully present - 01/29/2025<br>Document Uploaded. - 01/29/2025<br>|  | 2025-01-29 19:19 | Resolved | 3 | 1 | 3 | 2 |
| 605 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3312321 | 6 of 7 | 2025-01-29 23:31 | Credit | Approval/Underwriting Summary Deficient | Approval/Underwriting Summary is deficient. Document Uploaded. <br>|  |  |  |  | 2025-01-29 23:32 | Void | 3 |  | 3 | 2 |
| 605 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3391976 | 7 of 7 | 2025-02-10 22:55 | Property | Property Issue - FEMA Declared Diaster Area | The subject property was located in a XXXXXX declared disaster area.  |  | Document Uploaded. - 02/10/2025<br>| PCDI report received verifying no damage to property. Condition resolved. - 02/10/2025<br>Document Uploaded. - 02/10/2025<br>| Property shows no damage; >XXXXXXresidual income, >700 FICO, LTV < 60% | 2025-06-03 19:20 | Waived | 3 | 2 | 3 | 2 |
| 606 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2943865 | 1 of 6 | 2024-12-05 21:21 | Compliance | The Note is Missing | The Note is missing. Upon receipt and review, a Compliance report will be generated. Additional findings may apply. <br>|  | Document Uploaded. Note - 12/10/2024<br>| Received signed note. Finding resolved - 12/11/2024<br>The Note has been provided. - 12/11/2024<br>Document Uploaded. Note - 12/10/2024<br>|  | 2024-12-11 14:06 | Resolved | 4 | 1 | 4 | 2 |
| 606 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2944800 | 2 of 6 | 2024-12-05 23:22 | Credit | Asset 2 Missing | Asset documentation is missing from the file. Missing fully executed gift letter for $XXXXXX deposited into borrower account XXXXXX or evidence that borrower is an owner of the account funds came from. <br>|  | Document Uploaded. Supporting Docs Uploaded - 01/14/2025 <br>Document Uploaded. Bank trans history showing gift funds cleared - 12/10/2024<br>| The $XXXXXX came from XXXXXX on XXXXXXnoting same transaction #XXXXXX on both spouse account and borrower's acct for the deposit, condition resolved. - 01/15/2025<br> Received additional supporting evidence that the $XXXXXX came from account XXXXXX and was deposited into XXXXXX from the non-borrower spouse account XXXXXX. We are missing a gift letter from the account owner/spouse OR verification that the borrower is an owner of account XXXXXX that the $XXXXXX was deposited into XXXXXX on XXXXXX came from. - 01/15/2025<br> Document Uploaded. Supporting Docs Uploaded - 01/14/2025<br> Received verification of XXXXXX of $XXXXXX clearing borrower account xXXXXXX. What was requested is a gift letter from the account owner/spouse OR verification that the borrower is an owner of account XXXXXX that the $XXXXXX deposited into XXXXXX on XXXXXX came from. - 12/11/2024<br> Document Uploaded. Bank trans history showing gift funds cleared - 12/10/2024 |  | 2025-01-15 17:50 | Resolved | 3 | 1 | 4 | 2 |
| 606 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2944859 | 3 of 6 | 2024-12-05 23:40 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. <br>|  | Document Uploaded. XXXXXX _ Search - 12/10/2024 | All Fraud Report Alerts have been cleared or None Exist - 12/11/2024<br> Document Uploaded. XXXXXX _ Search - 12/10/2024 |  | 2024-12-11 16:31 | Resolved | 3 | 1 | 4 | 2 |
| 606 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2944860 | 4 of 6 | 2024-12-05 23:40 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2024-12-05 23:40 | Cleared | 1 | 1 | 4 | 2 |
| 606 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2944935 | 5 of 6 | 2024-12-05 23:56 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification does not meet guideline requirements. Guidelines cite XXXXXX preparers that work for a 3rd party firm may be permitted by exception only. Loan file contains a formal exception. <br>|  |  |  | The exception was approved based on credit score, DTI, reserves, residual income, employment stability, credit history and LTV. | 2024-12-06 14:43 | Waived | 2 | 2 | 4 | 2 |
| 606 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2945084 | 6 of 6 | 2024-12-06 00:35 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Unable to locate 12 months canceled checks or bank statements supporting timely rental payments. Located the lease agreement and Verification of Rent from a private party, but guidelines require verification of timely payments (either canceled checks front and back or bank statements showing account ownership and payments debited by the landlord). <br>|  | Document Uploaded. 12 months Bank Statements with Rental payments - 12/10/2024<br>| Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - 12/11/2024<br>Document Uploaded. 12 months Bank Statements with Rental payments - 12/10/2024<br>|  | 2024-12-11 16:31 | Resolved | 3 | 1 | 4 | 2 |
| 607 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 3219109 | 1 of 3 | 2025-01-16 15:12 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-01-16 15:12 | Cleared | 1 | 1 | 1 | 1 |
| 607 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 3219112 | 2 of 3 | 2025-01-16 15:12 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-16 15:12 | Cleared | 1 | 1 | 1 | 1 |
| 607 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 3219135 | 3 of 3 | 2025-01-16 15:13 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-01-16 15:13 | Cleared | 1 | 1 | 1 | 1 |
| 608 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 3333870 | 1 of 3 | 2025-02-03 13:04 | Credit | Title Commitment - Other | There are additional findings regarding the title commitment. The effective date on the title is XXXXXX. Per the guidelines, the effective date of the commitment should be dated within 120 days of the signing of the note and the mortgage. If the date exceeds 120 days, the title company must update the commitment with either gap coverage or an updated commitment. Client to provide an updated title commitment.<br>|  | Document Uploaded. Title was updated prior to close. - 02/04/2025<br>| Documentation provided to show that title was refreshed prior to closing, condition resolved. - 02/05/2025<br>Document Uploaded. Title was updated prior to close. - 02/04/2025<br>|  | 2025-02-05 13:59 | Resolved | 3 | 1 | 3 | 1 |
| 608 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 3334066 | 2 of 3 | 2025-02-03 13:36 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-02-03 13:36 | Cleared | 1 | 1 | 3 | 1 |
| 608 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 3334078 | 3 of 3 | 2025-02-03 13:37 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-02-03 13:37 | Cleared | 1 | 1 | 3 | 1 |
| 609 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3176079 | 1 of 3 | 2025-01-09 20:37 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-09 20:37 | Cleared | 1 | 1 | 3 | 1 |
| 609 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3176083 | 2 of 3 | 2025-01-09 20:38 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-09 20:38 | Cleared | 1 | 1 | 3 | 1 |
| 609 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3180868 | 3 of 3 | 2025-01-10 15:19 | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. <br>|  | Document Uploaded. Supporting Docs Uploaded - 01/13/2025<br>| Received Loan Approval and 1008 for subject loan. - 01/15/2025<br>Document Uploaded. Supporting Docs Uploaded - 01/13/2025<br>|  | 2025-01-15 16:27 | Resolved | 3 | 1 | 3 | 1 |
| 610 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3263281 | 1 of 6 | 2025-01-23 03:44 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-01-23 03:44 | Cleared | 1 | 1 | 3 | 1 |
| 610 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3267528 | 2 of 6 | 2025-01-23 16:49 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. The XXXXXX letters are not dated. Please provide fully executed XXXXXX letters with the date the business information was confirmed. <br>|  | Document Uploaded. XXXXXX Letter - 02/07/2025 | Borrower 1 3rd Party VOE prior to close was provided. - 02/11/2025<br> Document Uploaded. XXXXXX Letter - 02/07/2025 |  | 2025-02-11 17:17 | Resolved | 3 | 1 | 3 | 1 |
| 610 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3269202 | 3 of 6 | 2025-01-23 18:36 | Credit | Asset 10 Does Not Meet Guideline Requirements | Asset does not meet G/L Requirements. Loan file is missing the Terms of Withdrawal for C0-borrower's 401K account with XXXXXX <br>|  |  | Asset 10 Meets Guideline Requirements Or Not Applicable - 02/05/2025<br>|  | 2025-02-05 15:21 | Resolved | 3 | 1 | 3 | 1 |
| 610 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3269391 | 4 of 6 | 2025-01-23 18:51 | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. Unable to locate the final approval or Underwriting Summary. Please provide the final approval or Underwriting Summary. <br>|  | Document Uploaded. Supporting Doc Uploaded - 01/27/2025<br>| Approval/Underwriting Summary is fully present - 01/28/2025<br>Document Uploaded. Supporting Doc Uploaded - 01/27/2025<br>|  | 2025-02-05 15:21 | Resolved | 3 | 1 | 3 | 1 |
| 610 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3269392 | 5 of 6 | 2025-01-23 18:51 | Credit | FEMA Declared Disaster Area Post Closing Review | Unable to locate the post closing property inspection report. The subject property is located in a XXXXXX declared disaster area. Please provide the post closing property inspection report. The subject property was located in a XXXXXX declared disaster area. Post closing property inspection report required. Received XXXXXXI dated XXXXXX showing no damage to the subject property The subject property was located in a XXXXXX declared disaster area. Post closing property inspection report required. <br>|  | Document Uploaded. PDI - 01/29/2025<br>| Document Uploaded. PDI - 01/29/2025<br>|  | 2025-02-05 15:21 | Resolved | 3 | 1 | 3 | 1 |
| 610 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3269480 | 6 of 6 | 2025-01-23 18:58 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-23 18:58 | Cleared | 1 | 1 | 3 | 1 |
| 611 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3179479 | 1 of 3 | 2025-01-10 13:06 | Credit | HO-6 Insurance Policy is Missing | HO-6 insurance policy is missing. The subject property is a condo. There is nothing stated in the policy that has walls in coverage and there was no H06 policy provided. Please document sufficient insurance. <br>|  | Document Uploaded. MASTER INSURANCE POLICY / Walls info on page 4<br> - 01/22/2025 <br>Document Uploaded. MASTER INSURANCE POLICY - 01/13/2025<br>| Lender confirmed page 4 of the policy includes the individual unit walls-in coverage, condition resolved. - 01/24/2025<br>Document Uploaded. MASTER INSURANCE POLICY / Walls info on page 4<br> - 01/22/2025<br>To clarify, the master policy for the condo, in the file reflects coverage, however without "walls-in" coverage the borrower must typically provide a personal hazard policy. Please document the condo insurance includes the walls in coverage or provide the personal unit insurance for the borrower. - 01/14/2025<br>Document Uploaded. MASTER INSURANCE POLICY - 01/13/2025<br>|  | 2025-01-24 13:14 | Resolved | 3 | 1 | 3 | 1 |
| 611 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3179593 | 2 of 3 | 2025-01-10 13:22 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-10 13:22 | Cleared | 1 | 1 | 3 | 1 |
| 611 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3179594 | 3 of 3 | 2025-01-10 13:22 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-10 13:22 | Cleared | 1 | 1 | 3 | 1 |
| 612 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3187892 | 1 of 3 | 2025-01-11 13:30 | Credit | Missing Fraud Product | Auditor could locate the XXXXXX and XXXXXX in the file, however the full fraud report was not in the file. Per the guidelines, a fraud report is to be in the file and any documentation resolving and deficiencies or red flags noted.  |  | Document Uploaded. Supporting Docs Uploaded - 01/14/2025<br>| Documentation provided is sufficient. - 01/15/2025<br>Document Uploaded. Supporting Docs Uploaded - 01/14/2025<br>|  | 2025-01-15 14:47 | Resolved | 3 | 1 | 3 | 1 |
| 612 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3187893 | 2 of 3 | 2025-01-11 13:31 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-11 13:31 | Cleared | 1 | 1 | 3 | 1 |
| 612 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3187894 | 3 of 3 | 2025-01-11 13:31 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-11 13:31 | Cleared | 1 | 1 | 3 | 1 |
| 613 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 3347463 | 1 of 4 | 2025-02-04 18:03 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-02-04 18:03 | Cleared | 1 | 1 | 3 | 2 |
| 613 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 3357203 | 2 of 4 | 2025-02-05 17:54 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-02-05 17:54 | Cleared | 1 | 1 | 3 | 2 |
| 613 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 3357403 | 3 of 4 | 2025-02-05 18:07 | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s). Missing the Title Supplement showing insured amount $XXXXXX or Closing Protection Letter. <br>|  | Document Uploaded. Final policy - $XXXXXX. Cost $XXXXXX - which matches the final CD charge for insurance. - 02/11/2025 | Title coverage amount of $XXXXXX is equal to or greater than total amount of subject lien(s) $XXXXXX - 02/12/2025<br> Document Uploaded. Final policy - $XXXXXX Cost $XXXXXX - which matches the final CD charge for insurance. - 02/11/2025 |  | 2025-02-12 16:05 | Resolved | 3 | 1 | 3 | 2 |
| 613 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 3357591 | 4 of 4 | 2025-02-05 18:17 | Credit | Income - Guideline Requirements | The income documents provided in the loan file did not meet guidelines. P&L statement and letter Letter for use of business funds (also state borrower is XXXXXX of XXXXXX) provided was signed and dated by XXXXXX of XXXXXX. Per guidelines, XXXXXXdoes not allow XXXXXX tax preparers. XXXXXXpreparers that work for a 3rd party firm may be permitted by exception only. XXXXXX preparer XXXXXX is not employed by a Third Party. Per, XXXXXX and documents in the loan file, XXXXXX is the owner of XXXXXX. Please provide the Missing an exception / XXXXXX preparer that is employed by Third Party and verification of the borrowers ownership percentage of the business XXXXXXc.<br>|  | Document Uploaded. Exception request and approval - 02/18/2025 <br> Document Uploaded. Variance approval - XXXXXXtax preparer - 02/13/2025 | Exception to allow P&L prepared by XXXXXX tax preparer provided. - 02/18/2025<br> Document Uploaded. Exception request and approval - 02/18/2025<br> Received email exchange of the exception request. Did not receive the actual exception request and approval that appear to have been attachments to the email. Please provide the Exception Request and Approvals. - 02/14/2025<br> Document Uploaded. Variance approval - XXXXXX tax preparer - 02/13/2025 | Compensating factors provided as high reserves of 246 months, Employment stability of 6+ years, FICO of 755, DTI < 43% and Residual income of $XXXXXX with 0x30 credit history in last 36 months. | 2025-02-18 16:44 | Waived | 3 | 2 | 3 | 2 |
| 614 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3218665 | 1 of 3 | 2025-01-16 14:35 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-16 14:35 | Cleared | 1 | 1 | 3 | 2 |
| 614 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3218718 | 2 of 3 | 2025-01-16 14:41 | Credit | Income - Income Documentation Missing | The loan file did not contain the required income documentation. Missing 3 months proof of rent receipt per guidelines, when lease is greater than market rent. <br>|  | Document Uploaded. Investor waiver of proof of rents XXXXXX- 01/27/2025 <br> Document Uploaded. Supporting Doc Uploaded - 01/21/2025 | Market rent is not greater than lease - 01/28/2025<br> Document Uploaded. Investor waiver of proof of rents - XXXXXX- 01/27/2025<br> Per the lease agreement, XXXXXX (tenant), pays rent in the amount of $XXXXXX per month. The statements provided show withdrawals of $XXXXXX. Please provide documentation of $XXXXXX from the tenant for XXXXXX. - 01/24/2025<br> Document Uploaded. Supporting Doc Uploaded - 01/21/2025 |  | 2025-01-29 16:35 | Void | 3 |  | 3 | 2 |
| 614 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3223072 | 3 of 3 | 2025-01-16 18:19 | Property | Appraisal is Expired | Primary value appraisal is expired. The file contains an email regarding an exception due to the appraisal being a transferred appraisal which was over 120 days at closing. Please provide the formal exception including compensating factors. <br>|  | Document Uploaded. Exception approval - 01/27/2025 <br>The exception request has been received, but the approval has not been received. - 01/23/2025 <br>Document Uploaded. Exception request and approval uploaded for expired appraisal. - 01/21/2025<br>| Received exception for expired appraisal - 01/28/2025<br>Document Uploaded. Exception approval - 01/27/2025<br>The exception request has been received, but the approval has not been received. - 01/23/2025<br>Document Uploaded. Exception request and approval uploaded for expired appraisal. - 01/21/2025<br>| 21 months of reserves. Conservative credit use. 770 FICO. | 2025-01-28 19:55 | Waived | 3 | 2 | 3 | 2 |
| 615 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3349039 | 1 of 3 | 2025-02-04 20:08 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-02-04 20:08 | Cleared | 1 | 1 | 3 | 1 |
| 615 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3349047 | 2 of 3 | 2025-02-04 20:08 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-02-04 20:08 | Cleared | 1 | 1 | 3 | 1 |
| 615 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3351050 | 3 of 3 | 2025-02-04 22:48 | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. Missing required Loan Approval. <br>|  | Document Uploaded. Supporting Doc Uploaded - 02/06/2025<br>| Document Uploaded. Supporting Doc Uploaded - 02/06/2025<br>|  | 2025-02-07 14:31 | Resolved | 3 | 1 | 3 | 1 |
| 616 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 3329382 | 1 of 3 | 2025-01-31 19:58 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-01-31 19:58 | Cleared | 1 | 1 | 3 | 2 |
| 616 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 3330900 | 2 of 3 | 2025-01-31 23:12 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-31 23:12 | Cleared | 1 | 1 | 3 | 2 |
| 616 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 3340994 | 3 of 3 | 2025-02-03 22:00 | Credit | Condo - Master Policy Insufficient | The master hazard insurance policy verified total coverage which was not sufficient to cover total required coverage. The condo project master policy does not contain inflation guard. An exception is in the file, however does not contain the necessary compensating factors. The copy in the file appears blank for the compensating factors. Please provide final formal exception with the compensating factors. <br>|  | Document Uploaded. Exception request and approval - 02/05/2025<br>| Document Uploaded. - 02/05/2025<br>Document Uploaded. Exception request and approval - 02/05/2025<br>| Comp factors: Strong fico (800+), 2 months excessive reserves, low LTV (6% less than max), and experienced homeowner. | 2025-02-05 16:58 | Waived | 3 | 2 | 3 | 2 |
| 617 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3229274 | 1 of 3 | 2025-01-17 15:01 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-01-17 15:01 | Cleared | 1 | 1 | 1 | 1 |
| 617 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3229280 | 2 of 3 | 2025-01-17 15:01 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-17 15:01 | Cleared | 1 | 1 | 1 | 1 |
| 617 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3229283 | 3 of 3 | 2025-01-17 15:02 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-17 15:02 | Cleared | 1 | 1 | 1 | 1 |
| 618 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3236354 | 1 of 5 | 2025-01-19 17:09 | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. XXXXXX cleared for the borrowers on the credit report however not the remaining parties involved ie XXXXXX, XXXXXX, XXXXXX, XXXXXX, etc. <br>|  | Document Uploaded. Supporting Doc Uploaded - 01/23/2025<br>| documentation meet guideline requirements - 01/24/2025<br>Document Uploaded. Supporting Doc Uploaded - 01/23/2025<br>|  | 2025-01-24 14:13 | Resolved | 3 | 1 | 3 | 1 |
| 618 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3236355 | 2 of 5 | 2025-01-19 17:09 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-21 17:02 | Cleared | 1 | 1 | 3 | 1 |
| 618 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3243589 | 3 of 5 | 2025-01-21 14:33 | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. occupancy affidavit in file, but also missing required business purpose affidavit. <br>|  | Document Uploaded. Supporting Doc Uploaded - 01/23/2025<br>| documentation meet guideline requirements - 01/24/2025<br>Document Uploaded. Supporting Doc Uploaded - 01/23/2025<br>|  | 2025-01-24 14:04 | Resolved | 3 | 1 | 3 | 1 |
| 618 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3243748 | 4 of 5 | 2025-01-21 14:50 | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. missing 1008 <br>|  | Document Uploaded. LOAN TRANSMITTAL 1008 - 01/28/2025<br>| Approval/Underwriting Summary is fully present - 01/29/2025<br>documentation meet guideline requirements - 01/28/2025<br>Document Uploaded. LOAN TRANSMITTAL 1008 - 01/28/2025<br>|  | 2025-01-29 13:54 | Resolved | 2 | 1 | 3 | 1 |
| 618 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3243916 | 5 of 5 | 2025-01-21 15:04 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-21 15:04 | Cleared | 1 | 1 | 3 | 1 |
| 619 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3170559 | 1 of 3 | 2025-01-09 13:47 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-01-09 13:47 | Cleared | 1 | 1 | 1 | 1 |
| 619 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3170562 | 2 of 3 | 2025-01-09 13:47 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-01-09 13:47 | Cleared | 1 | 1 | 1 | 1 |
| 619 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3170570 | 3 of 3 | 2025-01-09 13:48 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-09 13:48 | Cleared | 1 | 1 | 1 | 1 |
| 620 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3170812 | 1 of 3 | 2025-01-09 14:10 | Compliance | The Deed of Trust is Incomplete | The Deed of Trust is incomplete. The Deed of Trust is missing the Notary Date of signature. <br>|  | Document Uploaded. RE-recorded DOT w notary acknowledgement<br> - 02/06/2025<br>| Documentation provided is sufficient. - 02/07/2025<br>Document Uploaded. RE-recorded DOT w notary acknowledgement<br> - 02/06/2025<br>|  | 2025-02-07 13:42 | Resolved | 4 | 1 | 4 | 1 |
| 620 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3171235 | 2 of 3 | 2025-01-09 14:44 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-01-09 14:44 | Cleared | 1 | 1 | 4 | 1 |
| 620 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 3171242 | 3 of 3 | 2025-01-09 14:44 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-01-09 14:44 | Cleared | 1 | 1 | 4 | 1 |

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## Exhibit 99.7

![](maxwell_logo.jpg)

Transaction BRAVO 2025-NQM6 <br> Date 06/03/2025

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 600 |  |  | XXXXXX | XXXXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| 601 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 602 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| 603 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 604 |  |  | XXXXXX | XXXXXX | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 C B A |
| 605 |  |  | XXXXXX | XXXXXX | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 C B A |
| 606 |  |  | XXXXXX | XXXXXX | 4 | 2 | 3 | 2 | 4 | 1 | 1 | 1 D B C A |
| 607 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 608 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 609 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 610 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 611 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 612 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 613 |  |  | XXXXXX | XXXXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 614 |  |  | XXXXXX | XXXXXX | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 C B A |
| 615 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 616 |  |  | XXXXXX | XXXXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 617 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 618 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 619 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 620 |  |  | XXXXXX | XXXXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 600 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | reasonable | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 601 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 75.0 | 75.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | LOW RISK | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 602 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | REASONABLE | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 603 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.65 | 69.65 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 604 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 605 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 56.43 | 56.43 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Low | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 606 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 607 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 608 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 47.5 | 47.5 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 609 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 75.0 | 75.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 610 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 611 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 41.0 | 41.0 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 612 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 75.0 | 75.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | MODERATE RISK | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 613 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 59.07 | 59.07 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 614 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 60.0 | 60.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Reasonable | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 615 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 616 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 79.0 | 79.0 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 617 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | MODERATE RISK | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 618 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 619 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.92 | 64.92 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 620 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.53 | 64.53 | XXXXXX | XXXXXX | -.0171 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0171 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** |
| 600 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Unknown | Unknown |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.54 | 1.54 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 601 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | N/A | 69170.00 | XXXXXX | 6.900% | Manual Underwriting | Manual Underwriting | No | 8.332% |  | 7.875% | 7.875% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXX | XXXXXX |  | Monthly | 11.89% | 10.85% | 10.85% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 90.80% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 602 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.216 | 1.226 |  | Borrower | Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 603 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 12982.86 | XXXXXX | 6.780% | Manual Underwriting | Manual Underwriting | No | 7.692% |  | 7.375% | 7.375% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 39.27% | 39.27% | 39.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | XXXXXX | N/A | N/A | 0 | Yes | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 604 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $1461846.04 | 7.375% | 7.375% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 26.27% | 26.24% | 26.24% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | No | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2023, 2022 | Borrower - 2024, 2023, 2022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 605 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 12845.00 | XXXXXX | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.476% |  | 7.375% | 7.375% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 31.25% | 23.77% | 28.08% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Business P&L | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 51.00% |  |  | Audited | 24 | XXXXXX | N/A | N/A | 0 | Yes | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024 \|\| Co Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 606 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 5025.00 | XXXXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.565% |  | 7.375% | 7.375% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX | XXXX | XXXXXX |  | Monthly | 42.73% | 42.73% | 42.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 607 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | N/A | 14104.80 | XXXXXX | 6.760% | Manual Underwriting | Manual Underwriting | No | 7.910% |  | 7.625% | 7.625% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 23.90% | 23.99% | 23.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 91.66% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 608 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | N/A | 13266.25 | XXXXXX | 6.760% | Manual Underwriting | Manual Underwriting | No | 7.081% |  | 6.990% | 6.990% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 33.78% | 33.78% | 33.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 609 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.625% | 7.625% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.161 | 1.16 |  | Borrower | Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 610 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 13394.00 | XXXXXX | 6.690% | Manual Underwriting | Manual Underwriting | No | 7.581% |  | 7.375% | 7.375% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX | XXXX | XXXXXX |  | Monthly | 41.43% | 42.51% | 42.51% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 0 | No | 0 NA | 0 | 0 | N/A | Yes | 51 | 35 | XXXXXX | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024 | Borrower - 2024 - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 611 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | Yes | XXXXXX | XXXX | XXXXXX |  | Monthly | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.167 | 1.2 |  | Borrower | Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 612 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.301 | 1.31 |  | Borrower | Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 613 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | Alternate Income Documentation | 14960.00 | XXXXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.681% |  | 7.375% | 7.375% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 42.19% | 42.19% | 42.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | XXXXXX | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 614 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.06 | 1.05 |  | Borrower | Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 615 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.704 | 1.78 |  | Borrower | Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 616 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9818.75 | XXXXXX | 6.690% | Manual Underwriting | Manual Underwriting | No | 7.967% |  | 7.750% | 7.750% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXX | XXXXXX |  | Annually | 24.07% | 24.07% | 24.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 | 0 NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 2 | 2 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | XXXXXX | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1065, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1065, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 814 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 617 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 38.52% | 38.52% | 38.52% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 98.78% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower | Borrower - 2023, 2024 \|\| Co Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 618 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.421 | 1.43 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 619 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.990% | 6.990% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.191 | 1.15 |  | Borrower | Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |
| 620 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.990% | 6.990% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.186 | 1.18 |  | Borrower | Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** |
| 600 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No |  | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 143.6 | XXXXXX | 264.5 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | DSCR | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5%, 4%, 3%, 2%, 1% | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | N/A |  |  |
| 601 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0.0 | XXXXXX | 96.7 | No | 75.0 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 36 |  |  |  | N/A |  |  |  |
| 602 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 586.8 | XXXXXX | 586.8 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | DSCR | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3%, 2%, 1% | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |
| 603 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | Employment Authorization Document (I-821D) |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 8.7 | XXXXXX | 8.7 | No | 69.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 2 |  |  |  | N/A |  |  |  |
| 604 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 12.8 | XXXXXX | 12.8 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 10 |  |  |  | N/A |  |  |  |
| 605 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXXXX | United States | XXXXXX | USA | XXXXXX | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0.0 | XXXXXX | 10.8 | No | 56.43 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 14 |  |  |  | N/A | N/A |  |  |
| 606 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Global Entry Card |  | XXXXXX | United States | XXXXXX |  |  | I-151 Permanent Resident Card |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 26.3 | XXXXXX | 11.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | true | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 2 |  |  |  | N/A |  |  |  |
| 607 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 3.3 | XXXXXX | 3.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 5 |  |  |  | N/A |  |  |  |
| 608 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 14.3 | XXXXXX | 14.3 | No | 47.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | true | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 11.73 |  |  |  | N/A |  |  |  |
| 609 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXXXX | United States | XXXXXX | The United States of America | XXXXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 44.5 | XXXXXX | 44.5 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXXXX |  |  |  | false | 4 | XXXXXX | Fixed | DSCR | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1%, 1%, 1% | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |
| 610 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 4.4 | XXXXXX | 7.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | true | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  | 16 | 9 |  |  | N/A | N/A |  |  |
| 611 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0.0 | XXXXXX | 69.4 | No | 41.0 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | DSCR | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |
| 612 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 50.1 | XXXXXX | 50.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 2 | XXXXXX | Fixed | DSCR | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |
| 613 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | I-551 Permanent Resident Card |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0.0 | XXXXXX | 59.4 | No | 59.07 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 10.92 |  |  |  | N/A |  |  |  |
| 614 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 29.1 | XXXXXX | 29.1 | No | 60.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | DSCR | No Cash Out - Borrower Initiated | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |
| 615 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0.0 | XXXXXX | 100.3 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | DSCR | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5%, 4%, 3%, 2%, 1% | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |
| 616 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 5.1 | XXXXXX | 5.1 | No | 79.0 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 5 |  |  |  | N/A |  |  |  |
| 617 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0.0 | XXXXXX | 13.2 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 8 |  |  |  | N/A | N/A |  |  |
| 618 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 291.9 | XXXXXX | 291.9 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | DSCR | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | N/A |  |  |
| 619 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0.0 | XXXXXX | 136.0 | No | 64.92 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | DSCR | Cash Out - Home Improvement/Reno | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 months interest on amount that exceeds 20% | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |
| 620 | XXXXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 375.4 | XXXXXX | 506.4 | No | 64.53 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | DSCR | Cash Out - Home Improvement/Reno | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 months interest on amount that exceeds 20% | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 600 | XXXXXX |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | XXXXXX | XXXXXX | Appraisal - 1007 |  |  |  |  | XXXXXX | Actual In Place Rent | No | 64.73 | 1.54 | 1.54 | XXXXXX | XXXXXX | XXXXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  | XXXXXX |  |  |  |  |  |  |  | No | 2.3 | 1 | 1 | N/A | 264.53 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  | 0 | 0 |  |  | 0 | 0 |  |  | Yes | 4 | Full Recourse | XXXXXX |
| 601 | XXXXXX |  | XXXXXX | XXXXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 96.72 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 602 | XXXXXX |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | XXXXXX | XXXXXX | Appraisal - 1007 |  | N/A |  |  | XXXXXX | Actual In Place Rent | No | 82.21 | 1.226 | 1.216 | XXXXXX | XXXXXX | XXXXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  | XXXXXX |  | XXXXXX |  |  |  |  |  |  |  | No | 1.6 | 1 | 1 | N/A | 586.81 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XXXXXX |
| 604 | XXXXXX |  | XXXXXX | XXXXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.81 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  | n/a | n/a |  |  | n/a | n/a |  |  | N/A | 2 |  |  |
| 609 | XXXXXX |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | XXXXXX | XXXXXX | Appraisal - 1025 |  | N/A |  |  | XXXXXX | Appraisal - 1025 | No | 86.16 | 1.16 | 1.161 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  | XXXXXX |  | XXXXXX |  |  |  |  |  |  |  | No | 1.3 | 1 | 1 | N/A | 44.51 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXX |
| 611 | XXXXXX |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | XXXXXX | XXXXXX | Appraisal - 1007 |  | N/A |  |  | XXXXXX | Appraisal - 1007 | No | 85.65 | 1.2 | 1.167 | XXXXXX | XXXXXX | XXXXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | XXXXXX |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 69.36 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 612 | XXXXXX |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | XXXXXX | XXXXXX | Appraisal - 1007 |  | N/A |  |  | XXXXXX | Appraisal - 1007 | No | 76.87 | 1.31 | 1.301 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  | XXXXXX |  | XXXXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 50.13 | No |  |  | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 614 | XXXXXX |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | XXXXXX | XXXXXX | Appraisal - 1007 |  | N/A |  |  | XXXXXX | Actual In Place Rent | No | 94.36 | 1.05 | 1.06 | XXXXXX | XXXXXX | XXXXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  | XXXXXX |  | XXXXXX |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 29.09 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXX |
| 615 | XXXXXX |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | XXXXXX | XXXXXX | Appraisal - 1007 |  |  |  |  | XXXXXX | Appraisal - 1007 | No | 58.69 | 1.78 | 1.704 | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  | XXXXXX |  | XXXXXX |  |  |  |  |  |  |  | No | 2 | 1 | 1 | N/A | 100.32 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXX |
| 617 | XXXXXX |  | XXXXXX | XXXXXX | 12 Month Bank Statement | Present | Yes |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXXXX | XXXXXX | XXXXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  | XXXXXX |  |  |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 13.19 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXXXX |
| 618 | XXXXXX |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Missing | No | XXXXXX | XXXXXX | Appraisal - 1007 |  | N/A |  |  | XXXXXX | Appraisal - 1007 | No | 70.39 | 1.43 | 1.421 | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  | XXXXXX |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 291.94 | No |  |  | Vested Individual | XXXXXX | XXXXXX | Vested Individual | XXXXXX | XXXXXX |  |  |  |  |  |  | n/a | n/a |  |  | n/a | n/a |  |  | No | 2 |  |  |
| 619 | XXXXXX |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | XXXXXX | XXXXXX | Appraisal - 1007 |  | N/A |  |  | XXXXXX | Appraisal - 1007 | No | 83.98 | 1.15 | 1.191 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  | XXXXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 136.01 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXX |
| 620 | XXXXXX |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | XXXXXX | XXXXXX | Appraisal - 1007 |  | N/A |  |  | XXXXXX | Appraisal - 1007 | No | 84.35 | 1.18 | 1.186 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  | XXXXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 506.44 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXX |

---

## Exhibit 99.7

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 601 | XXXXXX |  | Loan Amount | XXXXXX | XXXXXX | XXXXXX |
| 601 | XXXXXX |  | Borrower 1 Origination FICO | XXXXXX | XXXXXX | XXXXXX |
| 601 | XXXXXX |  | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 603 | XXXXXX |  | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 604 | XXXXXX |  | Property City | XXXXXX | XXXXXX | XXXXXX |
| 604 | XXXXXX |  | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 605 | XXXXXX |  | Borrower 1 Last Name | XXXXXX | XXXXXX | XXXXXX |
| 608 | XXXXXX |  | Interest Only Flag | XXXXXX | XXXXXX | XXXXXX |
| 608 | XXXXXX |  | Property Type | XXXXXX | XXXXXX | XXXXXX |
| 608 | XXXXXX |  | Borrower 1 Origination FICO | XXXXXX | XXXXXX | XXXXXX |
| 608 | XXXXXX |  | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 610 | XXXXXX |  | Property Type | XXXXXX | XXXXXX | XXXXXX |
| 611 | XXXXXX |  | Calculated DSCR | XXXXXX | XXXXXX | XXXXXX |
| 613 | XXXXXX |  | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 614 | XXXXXX |  | Calculated DSCR | XXXXXX | XXXXXX | XXXXXX |
| 615 | XXXXXX |  | Calculated DSCR | XXXXXX | XXXXXX | XXXXXX |
| 616 | XXXXXX |  | Term | XXXXXX | XXXXXX | XXXXXX |
| 616 | XXXXXX |  | Loan Amount | XXXXXX | XXXXXX | XXXXXX |
| 616 | XXXXXX |  | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 617 | XXXXXX |  | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 617 | XXXXXX |  | Date Last Rate Was Set | XXXXXX | XXXXXX | XXXXXX |
| 619 | XXXXXX |  | Calculated DSCR | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.8

**Exhibit 99.8**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Loan Funding Structure VI LLC. The review included a total of 1 newly originated residential mortgage loans, in connection with the securitization identified as BRAVO 2025-NQM6 (the "Securitization"). The review began on November 4, 2024 and concluded on May 9, 2025.

**Scope of Review**

Digital Risk performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

Credit Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether
the information in the preliminary Loan application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation
date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Accept/Eligible decision

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AUS data integrity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Underwriting decision is supported (AUS or manual underwrite
credit conditions have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Reconcile AUS mismatches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. The Reverifications within this section are intended
to meet the Client Guidelines, Additional Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Verification of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents
and comparing against re-verification documents

---

| | |
|:---|:---|
| ii. | W-2s and Paystubs |
| iii. | Transcripts (as applicable) support income |
| iv. | Tax Returns and Profit and Loss Statements, as applicable |
| v. | Bank Statements or other Alternate Income documents as required by the Client |
|  | Guidelines or Additional Guidelines |
| vi. | Consistent/Continuing Employment |
| vii. | The Reverifications within this section are intended to meet the Agency Guidelines |
|  | for post- closing quality control reverifications. (If needed) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

---

| | |
|:---|:---|
| i. | Confirm adequate funds to cover required down payment and closing costs and |
|  | reserves |
| ii. | Check dates for document expiration |
| iii. | Sufficient funds were sourced and seasoned |
| iv. | Gift funds verified and met Client Guidelines or Additional Guidelines |
| v. | The Reverifications within this section are intended to meet the Client or Agency |
|  | Guidelines for post- closing quality control reverifications. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium
is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed
in accordance with approval and with all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections 1411 and 1412 of the Dodd-Frank Wall Street
Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding
investment properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards
(12 C.F.R. 1026.43(c)) as evaluated based on the applicable investor guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including
qualified mortgages as separately defined by the Department of Housing and Urban Development (24

C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R.

Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Balloon-payment qualified mortgages made by certain
creditors (12 C.F.R. 1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital Risk will review applicable mortgage loans
for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation of QM, Non- QM, or exempt
from ATR. Digital Risk determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage
loan designation. Generally, Digital Risk notes as a material exception if the due diligence findings do not confirm the originator's
mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital Risk utilizes the following designations
for applicable loans: QM designations: QM Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant,
ATR Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With respect to QM (Safe Harbor and Higher-priced)
designated mortgage loans, Digital Risk reviews the mortgage loan to determine whether, based on available information in the mortgage
loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization),
(ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv)
the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations,
alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with
Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate
documentation of each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Digital Risk
reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied
(i), (ii) and (iii) in the preceding paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that satisfied
the applicable requirements enumerated above, Digital Risk then determines whether the mortgage loan is a Safe Harbor QM or QM Rebuttable
Presumption by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer
rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified
mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans
Affairs (38 C.F.R. Part 36 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not
satisfy the applicable requirements enumerated above, Digital Risk then determines whether the mortgage loan complies with the ATR rule
consideration and verification requirements, as defined within the applicable underwriting guidelines, and provides a due diligence designation
of Non-QM indicating compliant, ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Digital Risk reviews the mortgage loan to determine
whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
factors, and will verify such information using reasonably reliable third- party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s
monthly gross income, and validate funds required to close and required reserves, to Confirm that the borrower has current or reasonably
expected income or assets (other than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct
program, qualifying rate, and terms were used to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans
were included in the debt- to-income ratio ("DTI") calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the
subject Loan monthly payment calculation includes principle, interest, taxes, and insurance ("PITI"), as well as other costs
related to the property such as homeowners' association ("HOA") fees, private mortgage insurance ("PMI"),
ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio
(DTI), or "residual income," based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly
income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit
history and required credit depth,

including any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than
or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or
equal to $66,156 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater
than or equal to $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than
$66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home1
with a loan amount equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount
less than $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than
the value of the dwelling that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines
will meet the QM verification requirement. A creditor is allowed to "mix and match" provisions of the different guidelines
rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published
June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer
Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's
Single Family Housing Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook,
revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook
for the Direct Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. Chapters 9 through 11 of the U.S. Department of Agriculture's
Handbook for the Single Family Guaranteed Loan Program, revised March 19, 2020.

Valuation Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital Risk'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. Digital
Risk's review will include verifying the appraisal report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal
report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed
for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed
prior to the final approval of the mortgage loan application; Any revisions, if made known to Digital Risk, to the original report are
documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection
received including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect
to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from
the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported
at or within 10% variance based on a third-party valuation product. If a third-party valuation product is in file, but notes a variance
above 10% or an inconclusive value, Digital Risk will recommend a BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties,
Digital Risk's review will (a) review the relative comparable data (gross and net adjustments, sale dates and distance from subject
property) and ensure that such comparable properties are within standard appraisal guidelines; (b) confirm the property value and square
footage of the subject property was bracketed by comparable properties, (c) verify that comparable properties used are similar in size,
style, and location to the subject, and (d) check for the reasonableness of adjustments when reconciling value between the subject property
and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of Digital Risk's review include
(a) verifying that the address matched the mortgage note, (b) if requested, noting whether the property zip code was declared a FEMA disaster
area after the valuation date and notifying the Client of same, (c) confirming the appraisal report does not include any apparent environmental
problems, (d) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (e) reviewing
pictures to ensure (1) that the property is in average or better condition and any repairs are noted where required and (2) that the subject
property is the one for which the valuation was ordered and that there are no negative external factors; and (f) confirming that the value
product that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, Digital
Risk will confirm consistency among the valuation products and if there are discrepancies that could not be resolved, Digital Risk will
create an exception and work with the client on the next steps which may include

ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Digital Risk's review result in a variance of more than 10% then the client will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital Risk will confirm to the extent possible,
that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
Risk will review the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable
properties and adjustments were reasonable and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, Digital Risk will access the ASC database
to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal
was completed.

Compliance Review

"Compliance Review" means that Digital Risk will review each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complies with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk 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 Industry Group (the "SFIG Compliance Review Scope") and

(ii) outside counsel's interpretations of the published
regulations as of the date of review of each mortgage loan. Digital Risk 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 Digital Risk continues to make a good faith effort to identify material
TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages
carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the Initial LE and confirm (i) the correct
form was used; (ii) all sections of the Initial LE are completed; and (iii) the Initial LE accurately reflects the information provided
to Digital Risk

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a Revised LE, confirm (i) that there is a "valid reason"
for the Revised LE; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine which LE in the file is the "final
binding" LE for the purpose of Tolerance Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
will not be used for the purposes of Tolerance Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm initial LE was delivered within three (3)
business days from the application date, and at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm revised LE was delivered within three (3)
business days from date of the "valid reason" giving rise to the Revised LE, and at least four (4) business days prior to
the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that certain sections of each LE determined
to carry assignee liability were accurately completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the correct
form was used; (ii) all sections of the CD are completed; and (iii) the CD accurately reflects the information provided to Digital Risk.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirm (i) that there
was a valid reason for the change; (ii) that the CD was issued within three (3) days of the change; and (iii) whether the reason for the
change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm Initial CD, and any subsequent CD with material
changes (i.e. changes that require a new waiting period), was received at least three (3) business days prior to the consummation date.
With respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a
refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need
for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or
placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"),
as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in
a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable
loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance
charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed
in the final binding LE to those in the final CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine
(i) whether there is evidence that certain changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether
the Loan originator followed the prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation
CD (" <u>PCCD</u> "), and (iii) with respect to applicable exception remediation measures for numerical exceptions, confirm
that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery
of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions,
that a corrected CD was delivered or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation
on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions
and Restrictions related to Loan Originator Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review relevant documentation to determine if compensation
to a Loan Originator was based on a term of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the presence of the mortgage loan option disclosure
and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;● Note: Where available, Digital Risk 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, Digital Risk's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor obtained proof of homeownership
counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the terms of the mortgage loan require
arbitration or any other non- judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly or
indirectly, any premiums or fees for credit insurance in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review for presence of mortgage loan originator
organization and individual mortgage loan originator name and NMLSR ID, as applicable, on
the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>RESPA:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure
Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the Servicing Disclosure Statement was provided
to the borrower(s) within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home Loan Toolkit/Special
Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided
to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm the Your Home Loan Toolkit /Special Information
Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued within
three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business
Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement Disclosure
was provided no later than three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm the presence of the Initial Escrow Disclosure
Statement in the mortgage loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the borrower a
list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirm that the list of homeownership counselling
organizations was obtained no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented
by Regulation B, 12 C.F.R. Part 1002, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal
or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. With respect to a borrower that has waived the three
(3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3)
business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior
to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of
Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of state,
county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans,
"higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined
under such authorities, or subject

to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>. Digital Risk will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including Escrow
Closing Notice; and Mortgage servicing transfer and partial payment notices.

**Other: review and methodology.**

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 1 property (1 loan) where data validation was completed. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Originator Back-End DTI | 1 | 100.00% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$1140000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$1140000.00 | &nbsp;&nbsp;100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$1140000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$1140000.00 | &nbsp;&nbsp;100.00% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$1140000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$1140000.00 | &nbsp;&nbsp;100.00% |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$1140000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$1140000.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions:**

---

| | |
|:---|:---|
| **Final Loan Grade** | **Final Loan Grade** |
| A | Loan meets Credit, Compliance, and Valuation Guidelines |
| B | The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| C | The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| D | Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.8

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan Number | Loan ID | QM Status | ATR Status | Audit DTI | TRID Flag | GSE Eligible Flag | Asset Depletion Underwriting Flag | Delayed Financing Indicator | Total Origination and Discount Points (in dollars) | Interest Rate Lock Date | Qualifying Value | Original Loan Amount | Junior Mortgage Balance | Second Lien Heloc Line Amount | Client CLTV | Number of Borrowers | Borrower Employment Indicator | Co-Borrower Employment Indicator | Borrower Citizenship/Residency Status | Co-Borrower Citizenship/Residency Status | Borrower Original FICO: Equifax | Borrower Original FICO: Experian | Borrower Original FICO: Transunion | Most Recent Borrower FICO | Co-Borrower Original FICO: Equifax | Co-Borrower Original FICO: Experian | Co-Borrower Original FICO: Trans Union | Most Recent Co Borrower FICO | Borrower 3 Original FICO: Equifax | Borrower 3 Original FICO: Experian | Borrower 3 Original FICO: Trans Union | Most Recent Borrower 3 FICO | Borrower 4 Original FICO: Equifax | Borrower 4 Original FICO: Experian | Borrower 4 Original FICO: TransUnion | Most Recent Borrower 4 FICO | Residual Income | Deed-in-lieu Flag | Deed-in-lieu Date | Short Sale Flag | Short Sale Date | Title Interest Type |
| XXXX | 812024510 | Safe Harbor Verified QM | N/A | XXXX | 1 | 0 | 0 | 0 | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  | XXXX | 2 | 1 | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | 0 |  | 0 |  | Fee Simple |

---

## Exhibit 99.8

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Count:** | 1 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 812024510 | XXXX | Originator Back-End DTI | XXXX | XXXX |

---

## Exhibit 99.8

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 812024510 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.8

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 812024510 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |

---

## Exhibit 99.8

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Loan Documentation Type** | **Guideline Used by TPR For Review** | **Bank Statements Months** | **Business/Personal Bank Statement** | **Credit Decision** | **GSE Eligible Flag** |
| XXXX | 812024510 | Bank Statement | Bayview Bank Statement v24.3 - 10.9.2024 | XXXX | XXXX | Manual Underwrite | No |

---

## Exhibit 99.8

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Lender** | **Asset Depletion Underwriting Flag** | **Personal Guarantee** | **Recourse** | **Assumable Flag** | **Number of Borrowers** | **Number of Natural Persons** | **Borrower Designation** | **Co-Borrower Designation** | **Borrower 3 Designation** | **Borrower 4 Designation** | **Co-Borrower Self-Employed** | **Borr 3 Self-Employed** | **Borr 4 Self-Employed** | **Borrower 3 Citizenship/Residency Status** | **Borrower 3 Income Verification Level** | **Borrower 4 Citizenship/Residency Status** | **Borrower 4 Income Verification Level** | **Most Recent Borrower 3 FICO Date** | **Most Recent Borrower 4 FICO Date** |
| XXXX | 812024510 | XXXX | 0 | No |  | 0 | 2 |  | Individual | Individual |  |  | XXXX |  |  |  |  |  |  |  |  |

---

## Exhibit 99.8

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 812024510 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 812024510 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 812024510 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported <br> within 10% of original appraisal <br> amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |

---

## Exhibit 99.9

**Exhibit 99.9**

![](n5122infinity_img001.jpg)

EXECUTIVE SUMMARY

BRAVO 2025-NQM6

June 12, 2025

INFINITY INTERNATIONAL PROCESSING SERVICES, INC.

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|:---|:---|
| &nbsp;&nbsp;0 | &nbsp;&nbsp;Page |

---

![](n5122infinity_img001.jpg)

**TABLE OF CONTENTS**

 ****

 ****

---

| | |
|:---|:---|
| Infinity Biography | 2 |
| Description of the due diligence performed | 3 |
| Summary of findings and conclusions of review | 9 |
| Tape Integrity Review Results Summary | 10 |
| Additional Loan Population Summary | 10 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;1 | &nbsp;&nbsp;Page |

---

![](n5122infinity_img001.jpg)

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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|:---|:---|
| &nbsp;&nbsp;2 | &nbsp;&nbsp;Page |

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![](n5122infinity_img001.jpg)

**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

**(1) Type of assets that were reviewed.**

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of the mortgage loan(s), which were originated by multiple parties, were purchased by Loan Funding Structure VI LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loan(s) were reviewed via files imaged and provided by the Client.

The Review population is comprised of one (1) mortgage loan that was originally reviewed in January 2025.

**(2) Sample size of the assets reviewed.**

The mortgage loan review was broken down into the following review scopes:

&nbsp;&nbsp;&nbsp;&nbsp;■ "Compliance Review" 0 <sup>1
</sup> Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit Review" 1 Mortgage Loan

&nbsp;&nbsp;&nbsp;&nbsp;■ "Property Review" 1 Mortgage Loan

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity" 1 Mortgage Loan

**(3) Determination of the sample size and computation.**

Infinity is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by Infinity.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

For one (1) mortgage loan, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Infinity conducted a credit review for one (1) mortgage loan. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards,

<sup>1</sup> One (1) exempt loan was not subject to a compliance review and did not receive a compliance grade.

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|:---|:---|
| &nbsp;&nbsp;3 | &nbsp;&nbsp;Page |

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![](n5122infinity_img001.jpg)

criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

The loan was originated to MoFin Rental Loan Underwriting Guidelines - September 1 2023 (v3.11).pdf.

**Credit Application:** For the Credit Application, Infinity verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history

**Credit Report:** Infinity's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Infinity: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** Infinity determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

**Asset Review:** Infinity assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, Infinity completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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| &nbsp;&nbsp;4 | &nbsp;&nbsp;Page |

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![](n5122infinity_img001.jpg)

**Occupancy Review:** Infinity confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, Infinity confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** Infinity reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, Infinity confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** Infinity's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** Infinity also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for one (1) mortgage loan with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained

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within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

**(6) Value of collateral securing the assets: review and methodology.**

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for one (1) mortgage loan. For this one (1) mortgage loan, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Infinity's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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| &nbsp;&nbsp;6 | &nbsp;&nbsp;Page |

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![](n5122infinity_img001.jpg)

With regard to the use of comparable properties, Infinity's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Infinity's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Infinity's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

A compliance review was not performed because the loan is exempt.

Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual

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![](n5122infinity_img001.jpg)

mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Infinity to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Infinity are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

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![](n5122infinity_img001.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("KBRA").

**OVERALL RESULTS SUMMARY (1 MORTGAGE LOAN)**

Infinity's review to NRSRO grading requirements covers one (1) mortgage loan. Infinity graded one (1) mortgage loan as "A".

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (1 MORTGAGE LOAN)**

Of the one (1) mortgage loan reviewed, 0 (0.00%) mortgage loans had tape discrepancies across zero (0) unique data fields.

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| | | | |
|:---|:---|:---|:---|
| **Field Label** | **# of Variances** | **# of Loans** | **% of Loans** |

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**ADDITIONAL LOAN POPULATION SUMMARY (1 MORTGAGE LOAN)**

\*Total may not sum to total due to rounding.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$597500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$597500.00** | &nbsp;&nbsp;**100.00%** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$597500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$597500.00** | &nbsp;&nbsp;**100.00%** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Rate/Term Refinance – Borrower initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$597500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$597500.00** | &nbsp;&nbsp;**100.00%** |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$597500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$597500.00** | &nbsp;&nbsp;**100.00%** |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$597500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$597500.00** | &nbsp;&nbsp;**100.00%** |

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## Exhibit 99.9

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| xxx | xxx | 599 | xxx | xxx | xxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

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## Exhibit 99.9

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| xxx | xxx | 599 |  | xxx | xxx | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xxx | xxx | xxx | Investor | Refinance | 771 |  | xxx | 1 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | No Documentation | QC Complete | 01/20/2025 |

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## Exhibit 99.9

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |

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## Exhibit 99.9

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| xxx | xxx | 599 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |

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## Exhibit 99.9

**Data Compare**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** |

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## Exhibit 99.9

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **GSE Eligble Flag** | **DU/LP Approval** | **CDFI Flag** | **Is CEMA (Yes/No)** | **Application Date** | **Underwriting Program** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Co-Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Borr Years of Business Tax Returns/Transcripts** | **Co-Borr Years of Business Tax Returns/Transcripts** | **Bank Statement Flag (Borr)** | **# of months Personal Bank statements (Borr)** | **# of months Business Bank statements (Borr)** | **Bank Statement Flag (Co-Borr)** | **# of months Personal Bank statements (Co-Borr)** | **# of months Business Bank statements (Co-Borr)** | **P&L Flag (Borr)** | **# of Months P&L (Borr)** | **Who Prepared the P&L** | **CPA Letter Flag (Borr)** | **# of Months CPA verified income (Borr)** | **P&L Flag (Co-Borr)** | **Who Prepared the P&L** | **# of Months P&L (Co-Borr)** | **CPA Letter Flag (Co-Borr)** | **# of Months CPA verified income (Co-Borr)** | **Asset Depletion Flag (DTI)** | **Partial Asset Depletion Flag (DTI)** | **Asset Depletion months amortized** | **Asset Utilzation Flag (No DTI)** | **Bespoke Eligible Assets** | **Cross collateralized Loan Flag** | **Cross Collateralized Loan Release Provision** | **WVOE Flag (Borr)** | **# of Months of Income validated WVOE (Borr)** | **WVOE Form** | **WVOE Flag (Co-Borr)** | **# of Months of Income validated WVOE (Co-Borr)** | **WVOE Form (Co-Borr)** | **Income Doc Summary** | **BK Discharge date** | **Bk Chapter** | **Foreclosure Date** | **Short Sale Date** | **Deed In Lieu Date** | **TILA Status** | **Verification Safe Harbor Flag** | **Verification Safe Harbor Reference Document** | **ATR QM Total Points and Fees Audit** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Borrower Documentation Used to Determine Legal Residency** | **Co-Borrower Documentation Used to Determine Legal Residency** | **Loan closed in the name of an entity flag** | **Personal Guaranty Flag** | **Personal Guaranty Recourse to the Borrower Level** | **Guarantor Designation** | **Guideline Name** | **Default Interest Rate Flag** | **Default Interest Rate** | **Borrower Type** | **Project Classification: Warrantable/Non-Warrantable** | **Calculated Debt-to-Income Ratio** | **Months of Reserves for Subject Property** | **MERS MIN Number** | **Qualifying FICO** | **DSCR Flag** | **Number of Rental Units** | **Market Rent** | **Market Rent Source** | **Lease in Place** | **Actual in Place Rent** | **DSCR Calc based on Short Term Rental Income Flag** | **DSCR Calculation Method (at Orig)** | **Rental Income Used for DSCR** | **PITIA for DSCR** | **DSCR (at Origination)** | **Calculated Front End Housing Ratio** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Borrower Entity Name** |
| xxx | xxx | 599 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary]; B2: Other [Primary] | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Covered/Exempt | No |  | Not Applicable | Employed | Not Applicable | US Citizen | US Citizen | Not Applicable | Not Applicable | Yes | Yes | Full Recourse | US Citizen | xxx | Yes | 16.99% | Limited Liability Corporation | Not Applicable | Unavailable | 35 | xxx | 771 | Yes | 2 | xxx | Form 216 | Yes | xxx | No | Lease Agreement | xxx | xxx | 1.2502 | Unavailable | xxx | xxx | xxx | xxx | xxx |

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