# EDGAR Filing Document

**Accession Number:** 0000807641
**File Stem:** 0000929638-26-002115
**Filing Date:** 2026-6
**Character Count:** 1555271
**Document Hash:** 2d44211c4af7deef92fbea79e97a7856
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-002115.hdr.sgml**: 20260603

**ACCESSION NUMBER**: 0000929638-26-002115

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

**PUBLIC DOCUMENT COUNT**: 37

**CONFORMED PERIOD OF REPORT**: 20260603

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

**FILED AS OF DATE**: 20260603

**DATE AS OF CHANGE**: 20260603

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GS MORTGAGE SECURITIES CORP
- **CENTRAL INDEX KEY:** 0000807641
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01949
- **FILM NUMBER:** 261061006

**BUSINESS ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
- **BUSINESS PHONE:** 212-357-8721

**MAIL ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GS MORTGAGE SECURITIES CORP
- **CENTRAL INDEX KEY:** 0000807641
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **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:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
- **BUSINESS PHONE:** 212-357-8721

**MAIL ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004

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

#### FORM ABS-15G<br> ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934
Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

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

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

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

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

Central Index Key Number of depositor: <u>0000807641</u>

<u> GS Mortgage-Backed Securities Trust 2026-PJ8 </u> <br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity:

<u> Carla Schriver, (212) 902-3513 </u> <br> Name and telephone number, including area code, of the person to<br> contact in connection with this filing.

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#### INFORMATION TO BE INCLUDED IN THE REPORT

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

---

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

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#### 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 3, 2026

---

| | |
|:---|:---|
| GS Mortgage Securities Corp. | GS Mortgage Securities Corp. |
| (Depositor) | (Depositor) |
| By:  | <u>/s/ Carla Schriver&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  |
|  | Name: Carla Schriver |
|  | Title: Authorized Signatory |

---

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#### EXHIBIT INDEX
<u>Exhibit Number</u>

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| | |
|:---|:---|
| 99.1 | Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – Rating Agency Grades |
|  | Schedule 3 – Exception Grades |
|  | Schedule 4 – Valuation Summary |
|  | Schedule 5 – Supplemental Data |
|  | Schedule 6 – Data Compare Summary Report |
| 99.2 | Disclosures required by Rule 15Ga-2 for Clayton Services LLC |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – Rating Agency ATR QM |
|  | Schedule 3 – Non ATR QM |
|  | Schedule 4 – Conditions Summary |
|  | Schedule 5 – Conditions Detail |
|  | Schedule 6 – Loan Grades |
|  | Schedule 7 – Valuation Summary |
|  | Schedule 8 – Loan Level Tape Compare |
|  | Schedule 9 – Waived Conditions |
| 99.3 | Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc. |
|  | Schedule 1 – Execution Summary |
|  | Schedule 2 – Exception Standard Report |
|  | Schedule 3 – Complete Exception |
|  | Schedule 4 – GS Supplemental Report |
|  | Schedule 5 – Valuation Report |
|  | Schedule 6 – GS Securitization Report |
|  | Schedule 7 – Data Compare Report |
| 99.4 | Disclosures required by Rule 15Ga-2 for Opus |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – Rating Agency Grades |
|  | Schedule 3 – ATR OR QM Report |
|  | Schedule 4 – Supplemental Data Extract |
|  | Schedule 5 – Data Compare Report |
|  | Schedule 6 – Valuation Report |
|  | Schedule 7 – Standard Findings Report |

---

## Exhibit 99.1

![](logo_amc.jpg)

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#### EXECUTIVE SUMMARY

#### DESCRIPTION OF SERVICES
(1) Type of assets that were reviewed.

AMC Diligence, LLC ("AMC") performed certain due diligence services described below on conforming and non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of Goldman Sachs Mortgage Company ("Client") during multiple transactions from September 2025 to May 2026 via files imaged and provided by Goldman Sachs Mortgage Company (the "Review").

The loans in the Review carried origination dates between August 2025 and April 2026.

(2) Sample size of the assets reviewed.

The Review was conducted on one hundred sixty-nine (169) mortgage loans with an aggregate original principal balance of approximately $199.931 million. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the portion of the securitization population reviewed by AMC.

(3) Determination of the sample size and computation.

AMC 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 AMC.

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

AMC compared data fields on the bid tape provided by Client to the data found in the actual file as captured by AMC. This comparison, when data was available, included the following data fields:

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| | | | | |
|:---|:---|:---|:---|:---|
| Balloon Flag | Investor: Qualifying Total Debt Ratio | Original Loan Amount | Property Type | Street |
| Borrower First Name | Lender | Original LTV | Purpose | Zip |
| Borrower Last Name | Occupancy | Originator Loan Designation | Refi Purpose |  |
| Borrower SSN | Original CLTV | PITIA Reserves Months | Representative FICO |  |
| City | Original Interest Rate | Product Description | State |  |

---

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

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

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 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, 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 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

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Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with 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:** 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 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.

**DU/LP Review:** When a DU/LP form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

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

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

**Title Review:** AMC'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;

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covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(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.

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.

(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 guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, 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 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 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 AMC'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.

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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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 4.0 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:

<br> a) <u>Rescission (§1026.23, §1026.15):</u>

<br> i) failure to provide the right of rescission notice;

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

<br> iii) errors in the right of rescission notice;

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

<br> 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

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amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and<br>

<br> 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.

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

<br> i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

<br> ii) proper execution by all required parties;

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

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

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

<br> i) failure to provide the applicable home equity initial and account opening disclosures

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

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

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

<br> 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.

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

<br> f) <u>Higher-priced Mortgage Loan (§1026.35):</u>

<br> i) APR threshold test; and

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

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

<br> 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

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

<sup>(1)</sup> 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;<br>

<br> h) <u>Homeownership counseling (§1026.36):</u>

<br> 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.

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

<br> 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.

<br> j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u>

<br> i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

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

<br> 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

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

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

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

<br> i) confirm the presence of the current GFE form in effect at the time of origination;

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

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

<br> 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

<br> v) confirm the presence of a settlement service provider list, as applicable.

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

<br> i) confirm current applicable HUD form was provided;

<br> 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

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

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

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

<br> 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

<br> 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.

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

<br> i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

<br> 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;

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

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

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

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

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

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

<br> 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):

<br> a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u>

<br> i) confirm the presence of LE for applications on or after October 3, 2015;

<br> 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;

<br> 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;

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

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

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

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

<br> b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u>

<br> i) confirm the presence of CD for applications on or after October 3, 2015;

<br> 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;

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

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

<br> 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.)

<br> c) <u>Your Home Loan Toolkit (§1026.19):</u>

<br> 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

<br> 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:

<br> a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

<br> b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

<br> 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

<br> 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>*

**

<br> **

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

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

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

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

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

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

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

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

<br> i) timing and content of the right to receive copy of appraisal disclosure;

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

<br> 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

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

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

(XII) Document Review

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

<br> ◾ Initial application (1003);

<br> ◾ Underwriting summary / loan approval (1008);

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

<br> ◾ Hazard and/or flood insurance policies;

<br> ◾ Copy of note for any junior liens;

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

<br> ◾ Certain other disclosures related to the enumerated tests set forth herein.

(8) Other: review and methodology.

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

(9) Disclaimer.

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their

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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 Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, LLC ("Kroll"), Moody's Investors Service, Inc. ("Moody's"), and DBRS, Inc. ("DBRS").

#### OVERALL REVIEW RESULTS SUMMARY
There were one hundred sixty-nine (169) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Fitch, Kroll, Moody's, and DBRS NRSRO grading criteria ninety-five (95) (56.21%) had an Overall grade of "A", seventy-four (74) (43.79%) had an Overall grade of "B", and no loans had exceptions that generated an Overall grade of "C" or "D".

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| **NRSRO Grade (Fitch, Kroll, Moody's, DBRS)** | **# of Loans** | **Percentage of Loans** |
| A | 95 | 56.21% |
| B | 74 | 43.79% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### CREDIT REVIEW RESULTS SUMMARY
One hundred twenty-nine (129) (76.33%) mortgage loans of the total received an "A" Credit Review grade. The forty (40) (23.67%) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

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| **NRSRO Grade (Fitch, Kroll, Moody's, DBRS)** | **# of Loans** | **Percentage of Loans** |
| A | 129 | 76.33% |
| B | 40 | 23.67% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### COMPLIANCE REVIEW RESULTS SUMMARY
Under the applicable Fitch, Kroll, Moody's, and DBRS NRSRO grading criteria one hundred twenty-five (125) (73.96%) had a Compliance Review grade of "A" and forty-four (44) (26.04%) had a Compliance Review grade of "B". Loans with a Compliance Review grade of "B" may have multiple compliance exceptions (see exception detail below); however, none are lower than a grade of "B".

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| **NRSRO Grade (Fitch, Kroll, Moody's, DBRS)** | **# of Loans** | **Percentage of Loans** |
| A | 125 | 73.96% |
| B | 44 | 26.04% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### PROPERTY/VALUATION REVIEW RESULTS SUMMARY
Under the applicable Fitch, Kroll, Moody's, and DBRS NRSRO criteria one hundred sixty-seven (167) (98.82%) loans had a Property/Valuation grade of "A". Two (2) (1.18%) of the loans generated a Property/Valuation grade of "B" due to the loan being originated with an appraisal waiver with a secondary value supporting value; however, none are lower than a grade of "B."

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| **NRSRO Grade (Fitch, Kroll, Moody's, DBRS)** | **# of Loans** | **Percentage of Loans** |
| A | 167 | 98.82% |
| B | 2 | 1.18% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### REVIEW EXCEPTION SUMMARY (169 Mortgage Loans)
The summaries below detail the exceptions from the Compliance, Credit and Property Reviews that would have resulted in a "B", "C", or "D" grade for a given mortgage loan under the Fitch, Kroll, Moody's, and DBRS grading criteria. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

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| | | | |
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| **Exception Type** | **Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | ECOA | 37 |
| Compliance | B | TRID Defect | 9 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 2 |
| Compliance | B | ATR/QM Defect | 2 |
| Compliance | B | RESPA | 1 |
| Compliance | B | Missing Disclosure | 1 |
| Compliance | B | Misc. State Level | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***53*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **53** |

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| | | | |
|:---|:---|:---|:---|
| Credit | B | Title | 38 |
| Credit | B | Income / Employment | 3 |
| Credit | B | Loan Package Documentation | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***42*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **42** |
| Property | B | Appraisal Reconciliation | 2 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***2*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **2** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **97** |

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#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the one hundred sixty-nine (169) mortgage loans reviewed, none of the loans had tape discrepancies.

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|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Balloon Flag | 0 | 169 | 0.00% | 169 |
| Borrower First Name | 0 | 169 | 0.00% | 169 |
| Borrower Last Name | 0 | 169 | 0.00% | 169 |
| Borrower SSN | 0 | 169 | 0.00% | 169 |
| City | 0 | 169 | 0.00% | 169 |
| Investor: Qualifying Total Debt Ratio | 0 | 169 | 0.00% | 169 |
| Lender | 0 | 169 | 0.00% | 169 |
| Occupancy | 0 | 169 | 0.00% | 169 |
| Original CLTV | 0 | 169 | 0.00% | 169 |
| Original Interest Rate | 0 | 169 | 0.00% | 169 |
| Original Loan Amount | 0 | 169 | 0.00% | 169 |
| Original LTV | 0 | 169 | 0.00% | 169 |
| Originator Loan Designation | 0 | 169 | 0.00% | 169 |
| PITIA Reserves Months | 0 | 88 | 0.00% | 169 |
| Product Description | 0 | 169 | 0.00% | 169 |
| Property Type | 0 | 169 | 0.00% | 169 |
| Purpose | 0 | 169 | 0.00% | 169 |
| Refi Purpose | 0 | 9 | 0.00% | 169 |
| Representative FICO | 0 | 169 | 0.00% | 169 |
| State | 0 | 169 | 0.00% | 169 |
| Street | 0 | 169 | 0.00% | 169 |
| Zip | 0 | 169 | 0.00% | 169 |
| **Total** | **0** | **3477** | **0.00%** | **169** |

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#### ADDITIONAL LOAN POPULATION SUMMARY\*

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|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 169 | 100.00% | $199931277.00 | 100.00% |
| **Total** | **169** | **100.00%** | **$199931277.00** | **100.00%** |

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|:---|:---|:---|:---|:---|
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 169 | 100.00% | $199931277.00 | 100.00% |
| **Total** | **169** | **100.00%** | **$199931277.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 11 | 6.51% | $17853500.00 | 8.93% |
| First Time Home Purchase | 7 | 4.14% | $8077250.00 | 4.04% |
| Other-than-first-time Home Purchase | 98 | 57.99% | $110249262.00 | 55.14% |
| Rate/Term Refinance - Borrower Initiated | 53 | 31.36% | $63751265.00 | 31.89% |
| **Total** | **169** | **100.00%** | **$199931277.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 169 | 100.00% | $199931277.00 | 100.00% |
| **Total** | **169** | **100.00%** | **$199931277.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 90 | 53.25% | $114240046.00 | 57.14% |
| Condo, Low Rise | 14 | 8.28% | $10512704.00 | 5.26% |
| Condo, High Rise | 2 | 1.18% | $904000.00 | 0.45% |
| PUD | 60 | 35.50% | $71223757.00 | 35.62% |
| Townhouse | 1 | 0.59% | $460250.00 | 0.23% |
| 3 Family | 2 | 1.18% | $2590520.00 | 1.30% |
| **Total** | **169** | **100.00%** | **$199931277.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 103 | 60.95% | $151704126.00 | 75.88% |
| Second Home | 66 | 39.05% | $48227151.00 | 24.12% |
| **Total** | **169** | **100.00%** | **$199931277.00** | **100.00%** |
| **TPR Loan Designation** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Safe Harbor QM (APOR) | 169 | 100.00% | $199931277.00 | 100.00% |
| **Total** | **169** | **100.00%** | **$199931277.00** | **100.00%** |

---

\*Tables may not add to 100% due to rounding.

14 \| P a g e

## Exhibit 99.1

![](logo_situs.jpg)

#### Rating Agency Grades

#### Run Date - 5/27/2026 1:22:27 PM

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Deal Number** | **Original Loan Amount** |
| [redacted] | [redacted] | [redacted] | [redacted] | 88926797 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 88351905 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 87839509 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85236238 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 83188804 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 85216137 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 89084048 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88247378 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 82545990 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85394492 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89749402 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 86841746 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 83824425 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88162858 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 83597741 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 81049344 |  | D<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 86893997 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84652362 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85040225 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 86530385 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 83052724 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 81172056 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 86745829 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84704769 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88629525 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84125257 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 84135557 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 84404367 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88164636 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 86752879 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 88709125 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 81669489 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88374107 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 83302599 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 84477038 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89747834 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84782220 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85511254 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88222209 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 81038763 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84166866 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 87129094 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 80006851 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 80532624 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 80734131 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 89015518 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 81147070 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 87796647 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85189317 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89589329 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 87340597 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84710815 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 82773463 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 83380610 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89473081 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 83081735 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 83527781 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 87400043 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88399945 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 87703199 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 88552625 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88363941 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 83899223 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89994695 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 82057172 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89429632 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 88594578 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88958251 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 83409587 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84668078 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 87845065 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 86639058 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 86831591 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 80680621 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 86454702 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85590981 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89576591 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 85079472 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84790143 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 86651175 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 86368317 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 81721074 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 81825335 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 84311115 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88890013 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 86498916 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 86300267 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 80900995 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 86781428 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 80708540 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 85066358 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 87998366 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 81832089 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85456749 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 82641285 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 83528264 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85750905 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89137926 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88730412 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88640431 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 87124107 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 80245673 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84764727 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88584197 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 88762020 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 87934936 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89186959 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 81803188 |  | C<br> A<br> D<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 80972478 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 81287875 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 87924947 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 82709555 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 81757591 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 88175718 |  | C<br> D<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 81958834 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88127376 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 86659624 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84236115 |  | A<br> C<br> D |
| [redacted] | [redacted] | [redacted] | [redacted] | 81538087 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89264153 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84175942 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89199584 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 84354669 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 89174389 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 87391508 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88385853 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88461715 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 83082167 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84375137 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 80421348 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84376531 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 82174256 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 83284344 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89890300 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 85033557 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85229011 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 83172932 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 83058134 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85549394 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 86778642 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 83964774 |  | C<br> A<br> D<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 86612327 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88503596 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 87702445 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88011790 |  | D<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 82799447 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88671898 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 80162899 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88791012 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 82719075 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 80503135 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 81385526 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85963735 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 84732278 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 82742105 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 81801540 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89038289 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88157591 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85268114 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 88893136 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 88202543 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 87669778 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 82037634 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 80840509 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 89016019 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 88775990 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 85970581 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 82746720 |  | A<br> C |

---

## Exhibit 99.1

![](logo_situs.jpg)

#### Exception Grades

#### Run Date - 5/27/2026 1:22:28 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Loan 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** |
| [redacted] | [redacted] | [redacted] | [redacted] | 88926797 | 34401147 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/11/2025 | 2<br> B |  | MT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88926797 | 34401148 |  | 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 $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-10): XXXXX<br>|  | 09/10/2025 |  | 1<br> A |  | MT | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88351905 | 34836915 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS is missing in file, require DU/LPA Approve/Accept Eligible or DU/LPA Approve/Accept Ineligible Due Only to Loan Amount as per guide. 1008 states manual underwrite |  |  |  | Reviewer Comment (2025-09-15): XXXXX<br>Buyer Comment (2025-09-12): XXXXX<br>| 09/15/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85236238 | 35860354 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | QM failure due to failing QM points and fees. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>| 02/27/2026 |  |  | 1<br> B<br> A<br> C |  | CO | Second Home | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 85236238 | 35860355 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.97065% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or .97065%). | QM Points and Fees threshold exceeded by $XXX or .97065%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>Seller Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-02-24): XXXXX<br>| 02/27/2026 |  |  | 1<br> C<br> A |  | CO | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83188804 | 36260388 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-04-17): XXXXX<br>Seller Comment (2026-04-16): XXXXX<br>| 04/17/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85216137 | 36261985 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-04-15): XXXXX<br>Seller Comment (2026-04-14): XXXXX<br>| 04/15/2026 |  |  | 1<br> C<br> A |  | GA | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88247378 | 35954232 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 03/05/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88247378 | 35954276 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Seller Comment (2026-03-09): XXXXX<br>| 03/11/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88247378 | 35956477 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - |  |  |  |  | Reviewer Comment (2026-03-16): XXXXX<br>Seller Comment (2026-03-13): XXXXX<br>Reviewer Comment (2026-03-10): XXXXX<br>Seller Comment (2026-03-09): XXXXX<br>| 03/16/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88247378 | 36074067 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 03/16/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85394492 | 35945806 |  | Compliance | Compliance | State Compliance | State Defect | XXXXX SB 1894 | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  | Reviewer Comment (2026-03-18): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>| 03/18/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85394492 | 35945807 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed | Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed. |  |  |  | Reviewer Comment (2026-03-10): XXXXX<br>Seller Comment (2026-03-09): XXXXX<br>|  | 03/10/2026 |  | 2<br> C<br> B |  | IL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 85394492 | 35945808 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | Final Closing Disclosure provided on XX/XX/XX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. |  |  |  | Reviewer Comment (2026-03-10): XXXXX<br>|  | 03/10/2026 |  | 2<br> C<br> B |  | IL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 85394492 | 35945832 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX<br>|  |  | 03/04/2026 | 2<br> B |  | IL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89749402 | 36232998 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. |  |  |  |  |  |  |  | 04/03/2026 | 2<br> B |  | GA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83824425 | 36041672 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX<br>|  |  | 03/13/2026 | 2<br> B |  | MI | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83824425 | 36041724 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-03-17): XXXXX<br>Seller Comment (2026-03-16): XXXXX<br>| 03/17/2026 |  |  | 1<br> C<br> A |  | MI | Primary | Refinance - Cash-out - Other | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83824425 | 36041725 |  | 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 $950.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by $800.00 due to increase in Appraisal Fee. However, the File does contain the Cure in the amount of $1,901.00 which is sufficient. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>|  | 03/11/2026 |  | 1<br> A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 83824425 | 36041726 |  | 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 $1,750.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by $1,750.00due to increase in Second Appraisal Fee. However, the File does contain the Cure in the amount of $1,901.00 which is sufficient. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>|  | 03/11/2026 |  | 1<br> A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 83824425 | 36041727 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $399.00 exceeds tolerance of $398.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by $1.00 due to increase in Credit Report Fee. However, the File does contain the Cure in the amount of $1,901.00 which is sufficient. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>|  | 03/11/2026 |  | 1<br> A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88162858 | 36048913 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-8,983.64 exceeds tolerance of $-11,253.00. Insufficient or no cure was provided to the borrower. | Lender Credit Fee was last disclosed as $11,253.00 on LE but disclosed as $8,983.64 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2,269.36, 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 (2026-03-19): XXXXX<br>Seller Comment (2026-03-18): XXXXX<br>| 03/19/2026 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 83597741 | 35974593 |  | 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 $170.00 exceeds tolerance of $117.00 plus 10% or $128.70. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>|  | 03/05/2026 |  | 1<br> A |  | CA | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 83597741 | 35974594 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure provided at Closing. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>|  | 03/05/2026 |  | 1<br> A |  | CA | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 81049344 | 35848985 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/23/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 81049344 | 35848987 |  | 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 $300.00 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-19): XXXXX<br>|  | 02/19/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 81049344 | 35848993 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement/Sales Contract is missing from the file. |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>| 02/26/2026 |  |  | 1<br> D<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 81049344 | 35849093 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 02/23/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85040225 | 35966712 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Seller Comment (2026-03-09): XXXXX<br>|  |  | 03/11/2026 | 2<br> B |  | VA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 86530385 | 36105405 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/24/2026 | 2<br> B |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86530385 | 36105410 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $38,400.00 exceeds tolerance of $32,400.00. $6,000.00 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $32,400.00 on LE but disclosed as $38,400.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $6,000.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>| 03/26/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 83052724 | 35998024 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/11/2026 | 2<br> B |  | IN | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83052724 | 35998025 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,941.43 exceeds tolerance of $-2,275.00. Insufficient or no cure was provided to the borrower. | Lender Credit Fee was last disclosed as $2,275.00 on LE but disclosed as $1,969.33 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $333.57, 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 (2026-03-13): XXXXX<br>Seller Comment (2026-03-12): XXXXX<br>| 03/13/2026 |  |  | 1<br> C<br> A |  | IN | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84704769 | 35857828 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 02/24/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88629525 | 36193565 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-04-09): XXXXX<br>| 04/09/2026 |  |  | 1<br> B<br> A<br> C |  | NC | Second Home | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88629525 | 36193641 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The verification of employment is required and was not found in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>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 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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-14): XXXXX<br>Buyer Comment (2026-04-13): XXXXX<br>Reviewer Comment (2026-04-10): XXXXX<br>Seller Comment (2026-04-10): XXXXX<br>Reviewer Comment (2026-04-06): XXXXX<br>Seller Comment (2026-04-06): XXXXX<br>|  |  | 04/14/2026 | 2<br> C<br> B |  | NC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88629525 | 36193642 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not provided and not within 10 business days of the note. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>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 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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-14): XXXXX<br>Buyer Comment (2026-04-13): XXXXX<br>Reviewer Comment (2026-04-10): XXXXX<br>Seller Comment (2026-04-10): XXXXX<br>Reviewer Comment (2026-04-06): XXXXX<br>|  |  | 04/14/2026 | 2<br> C<br> B |  | NC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88629525 | 36260569 |  | 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 Abstract / Title Search. Fee Amount of $250.00 exceeds tolerance of $0.00. $250.00 over legal limit. Insufficient or no cure was provided to the borrower. | Tract Search fee of $250 was added on initial CD dated 03/05 without providing a VCC. Please provide a COC or cure. |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>Seller Comment (2026-04-13): XXXXX<br>|  | 04/14/2026 |  | 2<br> B |  | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84125257 | 36156654 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $7,529.13 exceeds tolerance of $6,350.00. $1,179.13 over legal limit. Insufficient or no cure was provided to the borrower. | Loan discount points fee was disclosed as $6,350.00, on LE but disclosed as $7,529.13 in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,179.13 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 (2026-04-07): XXXXX<br>| 04/07/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84135557 | 36079677 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-23): XXXXX<br>Seller Comment (2026-03-20): XXXXX<br>| 03/23/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84135557 | 36079678 |  | 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 XXXXX Guaranty Fee. Fee Amount of $2.00 exceeds tolerance of $0.00. $2.00 over legal limit. Insufficient or no cure was provided to the borrower. | XXXXX Guaranty Fee was last disclosed as $0.00 on LE but disclosed as $2.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-04-29): XXXXX<br>Seller Comment (2026-04-28): XXXXX<br>Reviewer Comment (2026-04-28): XXXXX<br>Seller Comment (2026-04-27): XXXXX<br>Reviewer Comment (2026-04-14): XXXXX<br>Seller Comment (2026-04-13): XXXXX<br>Reviewer Comment (2026-04-13): XXXXX<br>Seller Comment (2026-04-09): XXXXX<br>Reviewer Comment (2026-04-08): XXXXX<br>Seller Comment (2026-04-07): XXXXX<br>Reviewer Comment (2026-03-23): XXXXX<br>Seller Comment (2026-03-20): XXXXX<br>| 04/29/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84135557 | 36362123 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-29): XXXXX<br>|  | 04/29/2026 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84404367 | 36228941 |  | 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 $895.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $895.00 exceeds tolerance of $800.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-03): XXXXX<br>|  | 04/03/2026 |  | 1<br> A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88164636 | 36263098 |  | 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 $380.00 exceeds tolerance of $183.00 plus 10% or $201.30. $178.70 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $178.70 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $178.70, 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 (2026-04-15): XXXXX<br>Seller Comment (2026-04-14): XXXXX<br>| 04/15/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88164636 | 36263099 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $19,166.00 exceeds tolerance of $2,616.00. $16,550.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $2,616.00 on LE but disclosed as $19,166.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $16,550.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-04-15): XXXXX<br>Seller Comment (2026-04-14): XXXXX<br>| 04/15/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88164636 | 36284398 |  | 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 $380.00 exceeds tolerance of $183.00 plus 10% or $201.30. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-04-15): XXXXX<br>|  | 04/15/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 86752879 | 36127742 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/26/2026 | 2<br> B |  | TX | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86752879 | 36128705 |  | 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 $400.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-24): XXXXX<br>|  | 03/24/2026 |  | 1<br> A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88709125 | 36231271 |  | 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 $950.00 exceeds tolerance of $93.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-03): XXXXX<br>|  | 04/03/2026 |  | 1<br> A |  | MT | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 83302599 | 35989462 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2026-04-16): XXXXX<br>Seller Comment (2026-04-14): XXXXX<br>|  | 04/16/2026 |  | 2<br> C<br> B |  | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 83302599 | 35989463 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | RTC disclosed incorrect transaction and/or expiration date. |  |  |  | Reviewer Comment (2026-04-16): XXXXX<br>Seller Comment (2026-04-14): XXXXX<br>|  | 04/16/2026 |  | 2<br> C<br> B |  | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84477038 | 35946376 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | - | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. |  |  |  | Reviewer Comment (2026-04-10): XXXXX<br>Seller Comment (2026-04-09): XXXXX<br>Reviewer Comment (2026-03-25): XXXXX<br>Seller Comment (2026-03-24): XXXXX<br>Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-09): XXXXX<br>| 04/10/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 84477038 | 35946482 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-04-10): XXXXX<br>Seller Comment (2026-04-09): XXXXX<br>Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-24): XXXXX<br>Reviewer Comment (2026-03-19): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>| 04/10/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84477038 | 35946483 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (2026-04-10): XXXXX<br>Seller Comment (2026-04-09): XXXXX<br>Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-24): XXXXX<br>Reviewer Comment (2026-03-11): XXXXX<br>Seller Comment (2026-03-09): XXXXX<br>| 04/10/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88222209 | 36254782 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-134.00 exceeds tolerance of $-3,548.00. Insufficient or no cure was provided to the borrower. | Lender Credit was last disclosed as $-3,548.00 on LE but disclosed as $-134.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $3,414.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>Seller Comment (2026-04-13): XXXXX<br>| 04/14/2026 |  |  | 1<br> C<br> A |  | UT | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88222209 | 36254783 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $136.44 exceeds tolerance of $0.00. $136.44 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $0.00 on LE but disclosed as $136.44 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $136.44, 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 (2026-04-14): XXXXX<br>Seller Comment (2026-04-13): XXXXX<br>| 04/14/2026 |  |  | 1<br> C<br> A |  | UT | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88222209 | 36255073 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>Seller Comment (2026-04-13): XXXXX<br>| 04/14/2026 |  |  | 1<br> C<br> A |  | UT | Second Home | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 81038763 | 36232229 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/08/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 81038763 | 36232333 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/08/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87129094 | 36245281 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-04-13): XXXXX<br>Seller Comment (2026-04-10): XXXXX<br>| 04/13/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87129094 | 36246498 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/09/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80006851 | 36272026 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal delivered to borrower was not found in file. |  |  |  |  |  |  | 04/15/2026 | 2<br> B |  | VA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80006851 | 36272028 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower. | Appraisal Fee was last disclosed as $850.00 on LE but disclosed as $1,050.00 on Final Closing Disclosure. File does not contain a valid COC for this fee; however, evidence of cure in file in the amount of $200.00. |  |  |  | Reviewer Comment (2026-04-13): XXXXX<br>|  | 04/13/2026 |  | 1<br> A |  | VA | Second Home | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 80532624 | 36156026 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-24,709.50 exceeds tolerance of $-30,090.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-24,709.50 exceeds tolerance of $-30,090.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-03): XXXXX<br>Seller Comment (2026-04-02): XXXXX<br>Reviewer Comment (2026-04-01): XXXXX<br>Seller Comment (2026-04-01): XXXXX<br>| 04/03/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 80532624 | 36156028 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $0.00. $1,000.00 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $1,000.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2026-04-01): XXXXX<br>Seller Comment (2026-04-01): XXXXX<br>| 04/01/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 80532624 | 36220181 |  | 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 $1,000.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-04-03): XXXXX<br>|  | 04/03/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 80734131 | 36213493 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/06/2026 | 2<br> B |  | MA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89015518 | 36082359 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/19/2026 | 2<br> B |  | AZ | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89015518 | 36082497 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $8,523.65 are insufficient to meet cash to close of $9,512.91. Final 1008 reflects $7,793.65 verified. |  |  |  | Reviewer Comment (2026-04-23): XXXXX<br>Seller Comment (2026-04-22): XXXXX<br>Reviewer Comment (2026-04-09): XXXXX<br>Seller Comment (2026-04-08): XXXXX<br>Reviewer Comment (2026-04-03): XXXXX<br>Seller Comment (2026-04-03): XXXXX<br>Reviewer Comment (2026-03-27): XXXXX<br>Seller Comment (2026-03-26): XXXXX<br>Reviewer Comment (2026-03-25): XXXXX<br>Seller Comment (2026-03-24): XXXXX<br>| 04/23/2026 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 81147070 | 36236593 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/08/2026 | 2<br> B |  | MT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87796647 | 36259474 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,805.00 exceeds tolerance of $4,705.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-08): XXXXX<br>|  | 04/08/2026 |  | 1<br> A |  | GA | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 85189317 | 36122414 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 03/26/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85189317 | 36125252 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/26/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89589329 | 36205512 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/03/2026 | 2<br> B |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89589329 | 36205515 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Missing documentation from lender/seller confirming the condo is warrantable project. |  |  |  | Reviewer Comment (2026-04-23): XXXXX<br>Seller Comment (2026-04-23): XXXXX<br>| 04/23/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87340597 | 36189944 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-04-08): XXXXX<br>Seller Comment (2026-04-07): XXXXX<br>| 04/08/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87340597 | 36190242 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The file was missing a copy of the final title policy. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/02/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 84710815 | 36213061 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/06/2026 | 2<br> B |  | CO | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82773463 | 36177304 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Testing inconclusive. The rescission period starts when the latest of three things occurs: (1) RTC signed; (2) consummation OR (3) borrower receipt of accurate material disclosures. Executed Final CD was not provided, we are unable to determine date Final CD was received by borrower. Lender to provide executed Final CD or verification of date received. |  |  |  | Reviewer Comment (2026-04-23): XXXXX<br>Reviewer Comment (2026-04-13): XXXXX<br>Seller Comment (2026-04-10): XXXXX<br>Reviewer Comment (2026-04-09): XXXXX<br>Reviewer Comment (2026-04-07): XXXXX<br>Reviewer Comment (2026-04-03): XXXXX<br>Seller Comment (2026-04-02): XXXXX<br>| 04/23/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 82773463 | 36177305 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Testing inconclusive. The rescission period starts when the latest of three things occurs: (1) RTC signed; (2) consummation OR (3) borrower receipt of accurate material disclosures. Executed Final CD was not provided, we are unable to determine date Final CD was received by borrower. Lender to provide executed Final CD or verification of date received. |  |  |  | Reviewer Comment (2026-04-23): XXXXX<br>Reviewer Comment (2026-04-13): XXXXX<br>Seller Comment (2026-04-10): XXXXX<br>Reviewer Comment (2026-04-09): XXXXX<br>Seller Comment (2026-04-09): XXXXX<br>Reviewer Comment (2026-04-07): XXXXX<br>Seller Comment (2026-04-07): XXXXX<br>Reviewer Comment (2026-04-03): XXXXX<br>Seller Comment (2026-04-02): XXXXX<br>| 04/23/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 82773463 | 36177314 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/01/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83380610 | 36327251 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/27/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83380610 | 36327384 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/27/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89473081 | 36211627 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/06/2026 | 2<br> B |  | AZ | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87703199 | 36222604 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/07/2026 | 2<br> B |  | CO | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88363941 | 36123111 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX<br>|  |  | 03/26/2026 | 2<br> B |  | CO | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83899223 | 36310906 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-20): XXXXX<br>|  | 04/20/2026 |  | 1<br> A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 89994695 | 36295304 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The preliminary title report in the 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/20/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89429632 | 36204153 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-219.00 exceeds tolerance of $-282.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-219.00 exceeds tolerance of $-282.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-13): XXXXX<br>Seller Comment (2026-04-09): XXXXX<br>Reviewer Comment (2026-04-07): XXXXX<br>Seller Comment (2026-04-06): XXXXX<br>| 04/13/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 89429632 | 36204156 |  | 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 $7,012.50 exceeds tolerance of $6,463.00. $549.50 over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $6,463.00 on LE but disclosed as $7,012.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $549.50, 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 (2026-04-07): XXXXX<br>Seller Comment (2026-04-06): XXXXX<br>| 04/07/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 89429632 | 36271586 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $7,012.50 exceeds tolerance of $6,463.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-13): XXXXX<br>|  | 04/13/2026 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88958251 | 36251595 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/09/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 84668078 | 36364291 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. |  |  |  |  |  |  | 05/01/2026 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87845065 | 36274372 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal delivered to borrower was not provided. |  |  |  |  |  |  | 04/15/2026 | 2<br> B |  | WA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86639058 | 36287113 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal delivered to borrower was not provided. |  |  |  |  |  |  | 04/17/2026 | 2<br> B |  | AL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86831591 | 36322452 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/24/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86831591 | 36322482 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/24/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86831591 | 36323463 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. |  |  |  |  |  |  |  | 04/24/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80680621 | 35990649 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/10/2026 | 2<br> B |  | ME | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80680621 | 35990651 |  | 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 $125.50 exceeds tolerance of $80.00 plus 10% or $88.00. Sufficient or excess cure was provided to the borrower at Closing. | Recording Fee was last disclosed as $80.00 on LE but disclosed as $125.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $5.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-06): XXXXX<br>|  | 03/06/2026 |  | 1<br> A |  | ME | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 86454702 | 36261565 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/13/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85590981 | 36104757 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-04-21): XXXXX<br>|  |  | 03/24/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89576591 | 36231319 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/07/2026 | 2<br> B |  | MI | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89576591 | 36231320 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2026-04-15): XXXXX<br>Reviewer Comment (2026-04-10): XXXXX<br>Seller Comment (2026-04-08): XXXXX<br>|  |  | 04/15/2026 | 2<br> B |  | MI | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86651175 | 36301685 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/21/2026 | 2<br> B |  | UT | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86368317 | 36296598 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/20/2026 | 2<br> B |  | MI | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 81721074 | 36263462 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-09): XXXXX<br>|  | 04/09/2026 |  | 1<br> A |  | TX | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 | 36240206 |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Missing Issue Date Material | Closing Disclosure with an estimated issue date of XX/XX/XX did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. Any applicable Federal, State or Local compliance testing may be unreliable. Closing Disclosure dated XX/XX/XX used to source fees for testing. |  |  |  |  | Reviewer Comment (2026-04-23): XXXXX<br>Seller Comment (2026-04-22): XXXXX<br>Reviewer Comment (2026-04-17): XXXXX<br>Reviewer Comment (2026-04-16): XXXXX<br>| 04/23/2026 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 | 36240207 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XX are underdisclosed. |  |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>| 04/14/2026 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 | 36240209 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The file was missing a copy of the Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>| 04/14/2026 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 | 36240210 |  | 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 $12,979.90 exceeds tolerance of $12,820.00. $159.90 over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $12,820.00 on LE but disclosed as $12,979.90 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>| 04/14/2026 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 | 36240221 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on XX/XX/XX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  | Reviewer Comment (2026-04-23): XXXXX<br>Seller Comment (2026-04-22): XXXXX<br>Reviewer Comment (2026-04-17): XXXXX<br>Reviewer Comment (2026-04-16): XXXXX<br>Reviewer Comment (2026-04-14): XXXXX<br>| 04/23/2026 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase | Good Faith Redisclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 | 36240223 |  | 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/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $351,811.26 compared to the calculated Amount Financed of $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/XX). | Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $351,811.26 compared to the calculated Amount Financed of $1XXX 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/XX). |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>| 04/14/2026 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 | 36240224 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: APR of XXX% on Final Closing Disclosure provided on XX/XX/XX is under-disclosed from outside of 0.125% tolerance. | APR of XXX% on Final Closing Disclosure provided on XX/XX/XX is under-disclosed from the calculated APR of XXX% outside of 0.125% tolerance. |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>| 04/14/2026 |  |  | 1<br> C<br> A |  | TN | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 | 36240225 |  | 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/XX 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 $XXX is under disclosed by $351,811.26 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Final Closing Disclosure provided on XX/XX/XX 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 $XXX is under disclosed by $351,811.26 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>| 04/14/2026 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 | 36240246 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Review determined loan to be higher priced. |  |  |  | Reviewer Comment (2026-04-15): XXXXX<br>| 04/15/2026 |  |  | 1<br> B<br> A<br> C |  | TN | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 | 36279027 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $700.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $700.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-23): XXXXX<br>|  | 04/23/2026 |  | 2<br> B |  | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 | 36279028 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. $350.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. $350.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-15): XXXXX<br>| 04/15/2026 |  |  | 1<br> A |  | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84311115 | 36274140 |  | 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 $875.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $875.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2026-04-13): XXXXX<br>|  | 04/13/2026 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88890013 | 36262600 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/13/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86498916 | 36222589 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2026-04-03): XXXXX<br>|  | 04/03/2026 |  | 1<br> A |  | TN | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 86300267 | 36213440 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 04/06/2026 | 2<br> B |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86300267 | 36213442 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $171.25 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $171.25 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-02): XXXXX<br>|  | 04/02/2026 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 86300267 | 36213443 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $441.00 exceeds tolerance of $390.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $441.00 exceeds tolerance of $390.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-02): XXXXX<br>|  | 04/02/2026 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 80900995 | 36211583 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-04-08): XXXXX<br>Seller Comment (2026-04-07): XXXXX<br>| 04/08/2026 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86781428 | 36286334 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-15): XXXXX<br>|  | 04/15/2026 |  | 1<br> A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 86781428 | 36286339 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/17/2026 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80708540 | 36236912 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-5,490.00 exceeds tolerance of $-6,588.00. Insufficient or no cure was provided to the borrower. | Lender Credits were last disclosed as -$6,588.00 on Loan Estimate but disclosed as -$5,490.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $1,098.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-04-10): XXXXX<br>Seller Comment (2026-04-09): XXXXX<br>| 04/10/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 85066358 | 36314158 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $280.00 exceeds tolerance of $251.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $251.00 on Loan Estimate but disclosed as $280.00 on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-21): XXXXX<br>|  | 04/21/2026 |  | 1<br> A |  | UT | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 82641285 | 36267793 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $135.00 exceeds tolerance of $129.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-10): XXXXX<br>|  | 04/10/2026 |  | 1<br> A |  | CO | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 82641285 | 36267794 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $129.50 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-10): XXXXX<br>|  | 04/10/2026 |  | 1<br> A |  | CO | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 83528264 | 36307426 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/22/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85750905 | 36178251 |  | 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 $100.50 exceeds tolerance of $86.00 plus 10% or $94.60. $5.90 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $5.90 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $5.90, 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 (2026-04-22): XXXXX<br>Seller Comment (2026-04-21): XXXXX<br>Reviewer Comment (2026-04-03): XXXXX<br>Seller Comment (2026-04-02): XXXXX<br>|  | 04/22/2026 |  | 2<br> C<br> B |  | CO | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 85750905 | 36178252 |  | 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 $860.00 exceeds tolerance of $850.00. $10.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $850.00 on LE but disclosed as $860.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $10.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Seller Comment (2026-04-21): XXXXX<br>Reviewer Comment (2026-04-09): XXXXX<br>Seller Comment (2026-04-07): XXXXX<br>Reviewer Comment (2026-04-03): XXXXX<br>Seller Comment (2026-04-02): XXXXX<br>|  | 04/22/2026 |  | 2<br> C<br> B |  | CO | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 85750905 | 36178261 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Closing instruction shows the correct loan amount, please override. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/01/2026 | 2<br> B |  | CO | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89137926 | 36261886 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-09): XXXXX<br>|  | 04/09/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 89137926 | 36263112 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/13/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88730412 | 36250486 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/09/2026 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80245673 | 36273790 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | The verification appraisal delivered to the borrower was not provided. |  |  |  |  |  |  | 04/15/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80245673 | 36273803 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/15/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 84764727 | 36237864 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-06): XXXXX<br>|  | 04/06/2026 |  | 1<br> A |  | UT | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84764727 | 36237865 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $267.67 exceeds tolerance of $240.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $267.67 exceeds tolerance of $240.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-06): XXXXX<br>|  | 04/06/2026 |  | 1<br> A |  | UT | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84764727 | 36237866 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $250.00 exceeds tolerance of $0.00. Sufficient or cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-06): XXXXX<br>|  | 04/06/2026 |  | 1<br> A |  | UT | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88584197 | 36279780 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal delivered to borrower was not provided. |  |  |  |  |  |  | 04/16/2026 | 2<br> B |  | MN | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88584197 | 36279781 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | XXXXX Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation. |  |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>|  |  | 04/22/2026 | 2<br> B |  | MN | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88762020 | 36323147 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/24/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87934936 | 36329668 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/27/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 81803188 | 36158764 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end Date. |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>Seller Comment (2026-04-14): XXXXX<br>Reviewer Comment (2026-03-31): XXXXX<br>Seller Comment (2026-03-31): XXXXX<br>| 04/14/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 81803188 | 36158789 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>Seller Comment (2026-04-14): XXXXX<br>Buyer Comment (2026-04-07): XXXXX<br>| 04/14/2026 |  |  | 1<br> D<br> A<br> B<br> C |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 81803188 | 36282960 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-05-26): Client elects to waive.<br>Reviewer Comment (2026-04-15): XXXXX<br>Seller Comment (2026-04-15): XXXXX<br>|  |  | 05/26/2026 | 2<br> B |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87924947 | 36306884 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. |  |  |  |  |  |  | 04/22/2026 | 2<br> B |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87924947 | 36306886 |  | 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 $171.25 exceeds tolerance of $0.00. $171.25 over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis Fee was last disclosed as $0.00 on LE but disclosed as $171.25 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $171.25, 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 (2026-05-06): XXXXX<br>Seller Comment (2026-05-06): XXXXX<br>| 05/06/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 87924947 | 36309684 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. |  |  |  |  |  |  | 04/22/2026 | 2<br> B |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87924947 | 36411963 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $171.25 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $171.25 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-05-06): XXXXX<br>|  | 05/06/2026 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 81757591 | 36346010 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Revised secondary appraisal was noted to have been received by borrower less than three (3) business days prior to consummation, waiver not signed. |  |  |  |  |  |  | 04/29/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88175718 | 36325105 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2026-04-27): XXXXX<br>Seller Comment (2026-04-27): XXXXX<br>| 04/27/2026 |  |  | 1<br> D<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88175718 | 36325115 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Borrower: XXXXX; Employment Type: Employment; Income Type: Wages; Start Date: XX/XX/XX. VVOE within 10 days of note was not provided. |  |  |  | Reviewer Comment (2026-04-27): XXXXX<br>Seller Comment (2026-04-27): XXXXX<br>| 04/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88175718 | 36325116 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Borrower: XXXXX; Employment Type: Employment; Income Type: Wages; Start Date: XX/XX/XX. VVOE within 10 days of note was not provided. |  |  |  | Reviewer Comment (2026-04-27): XXXXX<br>Seller Comment (2026-04-27): XXXXX<br>| 04/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88175718 | 36325124 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. |  |  |  | Reviewer Comment (2026-04-27): XXXXX<br>| 04/27/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88175718 | 36325125 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (2026-04-27): XXXXX<br>| 04/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88175718 | 36325127 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtaining consent for electronic disclosure. Lender must provide proof of consent within the initial 3 days of application, or proof of disclosure sent to borrower using another method within 3 days of application. |  |  |  | Reviewer Comment (2026-04-27): XXXXX<br>Seller Comment (2026-04-27): XXXXX<br>| 04/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88175718 | 36337147 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE is missing from loan file. |  |  |  | Reviewer Comment (2026-04-27): XXXXX<br>Seller Comment (2026-04-27): XXXXX<br>| 04/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88175718 | 36337148 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOe is missing from loan file. |  |  |  | Reviewer Comment (2026-04-27): XXXXX<br>Seller Comment (2026-04-27): XXXXX<br>| 04/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86659624 | 36306881 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $153.90 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $153.90 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-20): XXXXX<br>|  | 04/20/2026 |  | 1<br> A |  | UT | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84236115 | 36287191 |  | Compliance | Compliance | State Compliance | State Defect | XXXXX SB 1894 | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Seller Comment (2026-04-20): XXXXX<br>| 04/22/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 84236115 | 36287193 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,010.00 exceeds tolerance of $610.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $1,010.00 exceeds tolerance of $610.00. Sufficient cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2026-04-15): XXXXX<br>|  | 04/15/2026 |  | 1<br> A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 84236115 | 36287209 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Loan is to be securitized. Secondary valuation is missing. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Seller Comment (2026-04-22): XXXXX<br>| 04/22/2026 |  |  | 1<br> D<br> A |  | IL | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 81538087 | 36328054 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/27/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89264153 | 36345789 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/29/2026 | 2<br> B |  | FL | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 84175942 | 36313228 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The preliminary title report in file did not disclose the amount of title insurance coverage. Closing instructions show correct loan amount, please override. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/23/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89199584 | 36230502 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 04/07/2026 | 2<br> B |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89199584 | 36230548 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. |  |  |  | Reviewer Comment (2026-04-13): XXXXX<br>Seller Comment (2026-04-10): XXXXX<br>Reviewer Comment (2026-04-10): XXXXX<br>Seller Comment (2026-04-09): XXXXX<br>| 04/13/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 84354669 | 36291777 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Seller Comment (2026-04-21): XXXXX<br>| 04/22/2026 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89174389 | 36363230 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $359.18 exceeds tolerance of $130.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-29): XXXXX<br>|  | 04/29/2026 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88385853 | 36355859 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The preliminary title report in file did not disclose the amount of title insurance coverage. Escrow instructions show correct loan amount, please override. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/30/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88461715 | 36334619 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Secondary appraisal as documented to have been received after closing. |  |  |  |  |  |  | 04/28/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88461715 | 36334620 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Secondary appraisal was documented as received after closing. |  |  |  | Reviewer Comment (2026-05-06): XXXXX<br>Reviewer Comment (2026-04-30): XXXXX<br>Seller Comment (2026-04-29): XXXXX<br>|  |  | 05/06/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88461715 | 36334645 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,025.00 exceeds tolerance of $925.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $925.00 on LE but disclosed as $1,025.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-24): XXXXX<br>|  | 04/24/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88461715 | 36334646 |  | 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 $1,025.00 exceeds tolerance of $925.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $925.00 on LE but disclosed as $1,025.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-24): XXXXX<br>|  | 04/24/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 82174256 | 36347513 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/29/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89890300 | 36336790 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | The verification appraisal delivered to the borrower was not provided. |  |  |  |  |  |  | 04/28/2026 | 2<br> B |  | AZ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89890300 | 36337288 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $143.25 exceeds tolerance of $142.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-24): XXXXX<br>|  | 04/24/2026 |  | 1<br> A |  | AZ | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 85033557 | 36261327 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. |  |  |  |  |  |  | 04/13/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85033557 | 36261354 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/13/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85033557 | 36261355 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | The file is missing documentation confirming the condo project is warrantable. |  |  |  | Reviewer Comment (2026-04-17): XXXXX<br>Seller Comment (2026-04-17): XXXXX<br>Reviewer Comment (2026-04-16): XXXXX<br>Seller Comment (2026-04-16): XXXXX<br>Reviewer Comment (2026-04-15): XXXXX<br>Seller Comment (2026-04-15): XXXXX<br>| 04/17/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83172932 | 36327642 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The XXXXX business tax returns were missing from the file. Evidence of extension for XXXXX was not provided. The file contained copies of the XXXXX and XXXXX 1040s and business tax returns. |  |  |  |  |  |  | 04/27/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83172932 | 36327643 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The XXXXX business tax returns were missing from the file. Evidence of extension for XXXXX was not provided. The file contained copies of the XXXXX and XXXXX 1040s and business tax returns. |  |  |  |  |  |  | 04/27/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83172932 | 36327644 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | File is missing a copy of the initial CD with verification of receipt at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-04-29): XXXXX<br>Seller Comment (2026-04-28): XXXXX<br>| 04/29/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83172932 | 36327645 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $715.00. Sufficient or excess cure was provided to the borrower at Closing. | The Appraisal Fee was last disclosed as $715.00 on the Loan Estimate but disclosed as $750.00 on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, but evidence of cure was in the file. |  |  |  | Reviewer Comment (2026-04-23): XXXXX<br>|  | 04/23/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 83172932 | 36327674 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The final title policy was missing from the file. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/27/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85549394 | 36269158 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The file was missing a copy of the Evidence of Access to and effect of use of business funds on business operations. |  |  |  | Reviewer Comment (2026-04-16): XXXXX<br>Seller Comment (2026-04-16): XXXXX<br>| 04/16/2026 |  |  | 1<br> C<br> A |  | VT | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85549394 | 36269166 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The file was missing a copy of the E-Sign Consent Agreement. |  |  |  | Reviewer Comment (2026-04-16): XXXXX<br>Seller Comment (2026-04-16): XXXXX<br>| 04/16/2026 |  |  | 1<br> C<br> A |  | VT | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85549394 | 36269188 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The file was missing a copy of the Evidence of Access to and effect of use of business funds on business operations. |  |  |  | Reviewer Comment (2026-04-16): XXXXX<br>Seller Comment (2026-04-16): XXXXX<br>| 04/16/2026 |  |  | 1<br> C<br> A |  | VT | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85549394 | 36269219 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing Tax Verification and Insurance document to verify expense of $923.78 for REO property XXXXX. |  |  |  | Reviewer Comment (2026-04-16): XXXXX<br>Seller Comment (2026-04-16): XXXXX<br>| 04/16/2026 |  |  | 1<br> C<br> A |  | VT | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85549394 | 36269231 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing Tax Verification and Insurance document to verify expense of $400.12 for REO property XXXXX. |  |  |  | Reviewer Comment (2026-04-16): XXXXX<br>Seller Comment (2026-04-16): XXXXX<br>| 04/16/2026 |  |  | 1<br> C<br> A |  | VT | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85549394 | 36269245 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | The file was missing a copy of the Evidence of Access to and effect of use of business funds on business operations. |  |  |  | Reviewer Comment (2026-04-16): XXXXX<br>Seller Comment (2026-04-16): XXXXX<br>| 04/16/2026 |  |  | 1<br> C<br> A |  | VT | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85549394 | 36270645 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-04-16): XXXXX<br>Seller Comment (2026-04-16): XXXXX<br>| 04/16/2026 |  |  | 1<br> B<br> A<br> C |  | VT | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 85549394 | 36270646 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-04-16): XXXXX<br>Seller Comment (2026-04-16): XXXXX<br>| 04/16/2026 |  |  | 1<br> C<br> A |  | VT | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86778642 | 36307045 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | The preliminary title report in the 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/22/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83964774 | 36270930 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2026-04-24): XXXXX<br>Seller Comment (2026-04-23): XXXXX<br>| 04/24/2026 |  |  | 1<br> D<br> A<br> B<br> C |  | CA | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83964774 | 36270943 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___;<br> State: ___ | 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. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-05-18): XXXXX<br>|  |  | 04/15/2026 | 2<br> B |  | CA | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83964774 | 36270987 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date. |  |  |  | Reviewer Comment (2026-04-24): XXXXX<br>Seller Comment (2026-04-23): XXXXX<br>| 04/24/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 83964774 | 36335575 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-04-24): XXXXX<br>|  |  | 04/24/2026 | 2<br> B |  | CA | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86612327 | 36282793 |  | 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 $111.00 exceeds tolerance of $90.00 plus 10% or $99.00. $12.00 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $12.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-04-21): XXXXX<br>Seller Comment (2026-04-20): XXXXX<br>| 04/21/2026 |  |  | 1<br> C<br> A |  | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 86612327 | 36282794 |  | 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 $0.00. $950.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $950.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-04-23): XXXXX<br>Seller Comment (2026-04-22): XXXXX<br>Reviewer Comment (2026-04-22): XXXXX<br>Seller Comment (2026-04-21): XXXXX<br>| 04/23/2026 |  |  | 1<br> C<br> A |  | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 86612327 | 36282795 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $1,225.00 exceeds tolerance of $0.00. $1,225.00 over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $0.00 on LE but disclosed as $1,225.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-04-21): XXXXX<br>Seller Comment (2026-04-20): XXXXX<br>| 04/21/2026 |  |  | 1<br> C<br> A |  | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 86612327 | 36282831 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing Tax Verification document to verify expense of $382.52 for REO property 'XXXXX'. |  |  |  | Reviewer Comment (2026-04-20): XXXXX<br>Seller Comment (2026-04-20): XXXXX<br>| 04/20/2026 |  |  | 1<br> C<br> A |  | NC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 86612327 | 36327840 |  | 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 $111.00 exceeds tolerance of $90.00 plus 10% or $99.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-23): XXXXX<br>|  | 04/23/2026 |  | 1<br> A |  | NC | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88503596 | 36369879 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/04/2026 | 2<br> B |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87702445 | 36313526 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Insurance Verification and Tax Verification Documents. |  |  |  | Reviewer Comment (2026-04-27): XXXXX<br>Seller Comment (2026-04-27): XXXXX<br>| 04/27/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88011790 | 36325998 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Provided Hazard Insurance document effective date (XX/XX/XX) is after the Note/Disbursement date (XX/XX/XX). |  |  |  | Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-23): XXXXX<br>| 02/24/2026 |  |  | 1<br> C<br> A |  | GA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88011790 | 36326001 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The provided Security Instrument title is held as Joint Tenants with Right of Survivorship. The borrower holds title alone. The ownership should be correctly marked as Sole Ownership in an updated security instrument as joint tenancy is not present. . |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Buyer Comment (2026-02-27): XXXXX<br>Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-26): XXXXX<br>Reviewer Comment (2026-02-25): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-23): XXXXX<br>| 03/03/2026 |  |  | 1<br> D<br> A |  | GA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88011790 | 36326002 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | Lender Exception is provided in file for Rural properties. However compensation factors states - Appraisal Higher than contract price - A+++++ Borrower with low DTI, low debt load, more than 3x loan amount in liquid assets, job security, etc. Review for acceptance and downgrade consideration. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-05): XXXXX<br>Reviewer Comment (2026-03-03): XXXXX<br>Buyer Comment (2026-02-27): XXXXX<br>| 03/05/2026 |  |  | 1<br> C<br> A |  | GA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88011790 | 36326004 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-04): XXXXX<br>Reviewer Comment (2026-03-03): XXXXX<br>Buyer Comment (2026-03-02): XXXXX<br>Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-02-25): XXXXX<br>Buyer Comment (2026-02-23): XXXXX<br>| 03/05/2026 |  |  | 1<br> C<br> A |  | GA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88011790 | 36326005 |  | 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. $123.60 over legal limit. Insufficient or no cure was provided to the borrower. | A valid COC for the fee added was missing and provided COC does not give sufficient information on why the fee was added. A valid COC for the fee added or Cure is required. |  |  |  | Reviewer Comment (2026-03-06): XXXXX<br>Buyer Comment (2026-03-06): XXXXX<br>| 03/06/2026 |  |  | 1<br> A |  | GA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 82799447 | 36326018 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | FIle contains one asset , retirement account with no evidence of liquidation, tested using 80% of value. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Buyer Comment (2026-03-02): XXXXX<br>| 03/03/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82799447 | 36326019 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | FIle contains one asset , retirement account with no evidence of liquidation, tested using 80% of value. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Buyer Comment (2026-03-02): XXXXX<br>| 03/03/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82799447 | 36326020 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | FIle contains one asset, retirement account with no evidence of liquidation, tested using 80% of value. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Buyer Comment (2026-03-02): XXXXX<br>| 03/03/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82799447 | 36326021 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Buyer Comment (2026-03-02): XXXXX<br>| 03/03/2026 |  |  | 1<br> B<br> A<br> C |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 82799447 | 36326022 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Buyer Comment (2026-03-02): XXXXX<br>| 03/03/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88671898 | 36326061 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Subject transaction is Second home; however, final 1003 declaration Section A shows 'Will you occupy the property as your primary residence" as Yes. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Buyer Comment (2026-03-02): XXXXX<br>| 03/03/2026 |  |  | 1<br> C<br> A |  | TX | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88671898 | 36326063 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type. |  | Require updated 1004 as subject property is "Refinance Second Home" and occupant in 1004 is shown as "Tenant." |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Buyer Comment (2026-02-27): XXXXX<br>| 03/03/2026 |  |  | 1<br> B<br> A |  | TX | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80162899 | 36326081 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | For rental verification a standard VOR completed by a professional management company or 12 months bank statements/canceled checks and a lease agreement to document the term and payment are required. Minimum of twelve (12) months verified rental history is required with 0X30X12 payment history ($3,695.00 payment history for XXXXX). Also, LOX D0256 is provided reflecting rent time frame from XX/XX/XX - XX/XX/XX. |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>Buyer Comment (2026-03-19): XXXXX<br>Reviewer Comment (2026-03-18): XXXXX<br>Buyer Comment (2026-03-16): XXXXX<br>Reviewer Comment (2026-03-12): XXXXX<br>Buyer Comment (2026-03-11): XXXXX<br>Reviewer Comment (2026-03-09): XXXXX<br>Buyer Comment (2026-03-06): XXXXX<br>| 03/19/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80162899 | 36326083 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS document is not provided in file. |  |  |  | Reviewer Comment (2026-03-16): XXXXX<br>Buyer Comment (2026-03-13): XXXXX<br>Reviewer Comment (2026-03-11): XXXXX<br>Buyer Comment (2026-03-10): XXXXX<br>Reviewer Comment (2026-03-09): XXXXX<br>Buyer Comment (2026-03-06): XXXXX<br>| 03/16/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80162899 | 36326084 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is not signed by LO, required updated 1003 with LO signature. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Buyer Comment (2026-03-06): XXXXX<br>| 03/09/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80162899 | 36326085 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | 1. The subject property has an ADU, and rental income from this unit was used for qualification. Due to the absence of required supporting documentation, the rental income could not be entered in Clarity, causing the DTI to exceed allowable limits at 56%.<br> 2. Considered base pay rate of 127.04 + shift differential of 12.70 per hour which is total rate of 139.74 used for calculation with base income of $24,221.60, also as per final 1003 additional other income of $1211.60 is used for qualification, however document for "Other" income is missing in file due which there is a variance in DTI. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Buyer Comment (2026-03-10): XXXXX<br>Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-04): XXXXX<br>| 03/11/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80162899 | 36326086 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Reviewer Comment (2026-03-05): XXXXX<br>| 03/11/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 80162899 | 36326087 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 56.62863% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The subject property has an ADU, and rental income from this unit was used for qualification. Due to the absence of required supporting documentation, the rental income could not be entered in Clarity, also there is no supporting document for other income of $1,211.60 which causing the DTI to exceed the guideline limit of 50%. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Reviewer Comment (2026-03-05): XXXXX<br>| 03/11/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80162899 | 36326088 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>| 03/11/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80162899 | 36326090 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | An updated Form 1008 is required with the correct rental income amount, as the current 1008 shows that the lender considered rental income from both the subject unit and the ADU. Per XXXXX guidelines, when the subject property includes an ADU, rental income from the subject unit cannot be used for qualification. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Buyer Comment (2026-03-10): XXXXX<br>Reviewer Comment (2026-03-09): XXXXX<br>Buyer Comment (2026-03-06): XXXXX<br>| 03/11/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82719075 | 36492648 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS is missing in File. |  |  |  | Reviewer Comment (2026-03-13): XXXXX<br>Buyer Comment (2026-03-12): XXXXX<br>| 03/13/2026 |  |  | 1<br> C<br> A |  | RI | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82719075 | 36492649 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence the appraisal was provided to the borrower three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-03-13): XXXXX<br>Buyer Comment (2026-03-12): XXXXX<br>| 03/13/2026 |  |  | 1<br> B<br> A |  | RI | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82719075 | 36492651 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. $165.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was last disclosed as $0 on LE but disclosed as $165.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-03-27): XXXXX<br>Buyer Comment (2026-03-26): XXXXX<br>Reviewer Comment (2026-03-23): XXXXX<br>Buyer Comment (2026-03-20): XXXXX<br>Reviewer Comment (2026-03-19): XXXXX<br>Buyer Comment (2026-03-18): XXXXX<br>Reviewer Comment (2026-03-15): XXXXX<br>Buyer Comment (2026-03-12): XXXXX<br>|  | 03/27/2026 |  | 2<br> C<br> B |  | RI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 80503135 | 36492775 |  | Property | Valuation | Valuation Issue | Valuation | XXXXX program guidelines require a CDA (Desk Review) |  | The file is missing a copy of the secondary valuation required for securitization purposes. CU Score is 2.7. |  |  |  | Reviewer Comment (2026-04-02): XXXXX<br>Buyer Comment (2026-03-31): XXXXX<br>Reviewer Comment (2026-03-31): XXXXX<br>Buyer Comment (2026-03-27): XXXXX<br>| 04/02/2026 |  |  | 1<br> C<br> A |  | WV | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 81385526 | 36492944 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing fraud report. |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>Buyer Comment (2026-04-13): XXXXX<br>| 04/14/2026 |  |  | 1<br> C<br> A |  | NJ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 81385526 | 36492946 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent dated XX/XX/XX |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>Buyer Comment (2026-04-13): XXXXX<br>| 04/14/2026 |  |  | 1<br> C<br> A |  | NJ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 84732278 | 36493191 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2026-04-20): XXXXX<br>Buyer Comment (2026-04-17): XXXXX<br>| 04/20/2026 |  |  | 1<br> B<br> A |  | TX | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82742105 | 36493786 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall exception due to verification of income for borrower not within 10 business days from Note date. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Reviewer Comment (2026-04-20): XXXXX<br>Buyer Comment (2026-04-17): XXXXX<br>| 04/22/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 82742105 | 36493787 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was not disclosed on Loan Estimate but disclosed as $120.00 on final closing disclosure. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2026-04-17): XXXXX<br>Buyer Comment (2026-04-16): XXXXX<br>| 04/17/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 82742105 | 36493790 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | - | Borrower has a gap in employment without explanation between current job and prior employment history. |  |  |  | Reviewer Comment (2026-04-20): XXXXX<br>Buyer Comment (2026-04-16): XXXXX<br>| 04/20/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82742105 | 36493791 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall exception due to verification of income for borrower not within 10 business days from Note date. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Reviewer Comment (2026-04-20): XXXXX<br>Buyer Comment (2026-04-17): XXXXX<br>| 04/22/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82742105 | 36493792 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of income for borrower not within 10 business days from Note date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | Decision System: DU / DO<br> Representative FICO: 734 | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-04-22): XXXXX<br>Reviewer Comment (2026-04-20): XXXXX<br>Buyer Comment (2026-04-17): XXXXX<br>|  |  | 04/22/2026 | 2<br> C<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82742105 | 36493796 |  | 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 $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-17): XXXXX<br>|  | 04/17/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 81801540 | 36493811 |  | 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 $775.00 exceeds tolerance of $625.00. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided $150.00 cure on final CD. |  |  |  | Reviewer Comment (2026-04-14): XXXXX<br>|  | 04/14/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88157591 | 36531494 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax cert for primary property located at XXXXX not provided in file.ng from file. |  |  |  | Reviewer Comment (2026-04-24): XXXXX<br>Buyer Comment (2026-04-22): XXXXX<br>| 04/24/2026 |  |  | 1<br> C<br> A |  | RI | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85268114 | 36531499 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Project approval is provided in file but not approved by lender or XXXXX. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Buyer Comment (2026-04-21): XXXXX<br>| 04/22/2026 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88893136 | 36531502 |  | 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 $595.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $595.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-17): XXXXX<br>|  | 04/17/2026 |  | 1<br> A |  | CO | Second Home | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88893136 | 36531506 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Manner of title vesting is blank. |  | Vesting on Mortgage is reflected as Tenants in Common. Client to review for acceptability. | The representative FICO score exceeds the guideline minimum by at least 40 points.<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>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 is above 680. | 808 vs 660 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-28): XXXXX<br>Buyer Comment (2026-04-28): XXXXX<br>|  |  | 05/26/2026 | 2<br> C<br> B |  | CO | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88202543 | 36531507 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy for Supplemental property Insurance IAO $66.67/monthly is missing. |  |  |  | Reviewer Comment (2026-04-30): XXXXX<br>Buyer Comment (2026-04-28): XXXXX<br>Reviewer Comment (2026-04-24): XXXXX<br>Buyer Comment (2026-04-23): XXXXX<br>Reviewer Comment (2026-04-17): XXXXX<br>Buyer Comment (2026-04-16): XXXXX<br>| 04/30/2026 |  |  | 1<br> C<br> A |  | SC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88202543 | 36531508 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Certificate for subject property is missing. |  |  |  | Reviewer Comment (2026-04-17): XXXXX<br>Buyer Comment (2026-04-15): XXXXX<br>| 04/17/2026 |  |  | 1<br> C<br> A |  | SC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88202543 | 36531510 |  | 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 $89.25 exceeds tolerance of $65.00 plus 10% or $71.50. $17.75 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded due to increase of Recording fee from $65 to $89.26 No valid COC or cure provided, |  |  |  | Reviewer Comment (2026-04-15): XXXXX<br>Buyer Comment (2026-04-14): XXXXX<br>| 04/15/2026 |  |  | 1<br> C<br> A |  | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88202543 | 36531511 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Source of Large deposit IAO $267,606.30 dated XX/XX/XX reflected on Account # XXXXX is required. |  |  |  | Reviewer Comment (2026-04-17): XXXXX<br>Buyer Comment (2026-04-15): XXXXX<br>| 04/17/2026 |  |  | 1<br> C<br> A |  | SC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88202543 | 36531512 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM Failure. This exception will be cleared once all QM specific Exceptions have been cured/Cleared. |  |  |  | Reviewer Comment (2026-04-24): XXXXX<br>| 04/24/2026 |  |  | 1<br> B<br> A<br> C |  | SC | Second Home | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 88202543 | 36531513 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | QM failure due to Asset documentation exception. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-04-24): XXXXX<br>| 04/24/2026 |  |  | 1<br> C<br> A |  | SC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 88202543 | 36531514 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal was delivered to borrower was provided and a waiver was also provided. |  |  |  | Buyer Comment (2026-04-16): XXXXX<br>Reviewer Comment (2026-04-15): XXXXX<br>Buyer Comment (2026-04-14): XXXXX<br>|  |  | 04/16/2026 | 2<br> B |  | SC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 87669778 | 36531517 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Need executed closing statement/HUD/CD for departing property XXXXX. |  |  |  | Reviewer Comment (2026-04-29): XXXXX<br>Buyer Comment (2026-04-27): XXXXX<br>| 04/29/2026 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82037634 | 36531523 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Borrower qualified using average monthly income and the XXXXX and XXXXX W-2 Transcripts were provided. DU did not validate the income and the borrower provided the XXXXX W-2 so the W-2 transcript for XXXXX is required. MS |  |  |  | Reviewer Comment (2026-04-27): XXXXX<br>Buyer Comment (2026-04-23): XXXXX<br>| 04/27/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82037634 | 36531524 |  | Credit | Guideline | Guideline Issue | Guideline | Debt to Income Ratio (DTI) > 3% not to exceed 43% |  | Mismatch in DTI because Tax amount $XXXXX/year reflecting in Tax certificate, Final 1003, First payment letter and Final CD; however, available 1008 document reflects lender used $XXXXX monthly payment. Please provide updated 1008 with supporting Tax amount. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Buyer Comment (2026-04-20): XXXXX<br>| 04/22/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82037634 | 36531525 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM Failure. This exception will be cleared once all QM specific Exceptions have been cured/Cleared. |  |  |  | Reviewer Comment (2026-04-29): XXXXX<br>Buyer Comment (2026-04-28): XXXXX<br>| 04/29/2026 |  |  | 1<br> B<br> A<br> C |  | IL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 82037634 | 36531526 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-04-29): XXXXX<br>Buyer Comment (2026-04-28): XXXXX<br>| 04/29/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 80840509 | 36531527 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Final 1003 section 5a indicates subject is to be a primary residence while 4a indicates it is a Second Home. Provide corrected 1003 for co-borrower. |  |  |  | Reviewer Comment (2026-05-01): XXXXX<br>Buyer Comment (2026-04-30): XXXXX<br>| 05/01/2026 |  |  | 1<br> C<br> A |  | NC | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89016019 | 36531529 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Subject transaction is Second Home; however, 1003 declaration section 5A reflects 'will you occupancy the property as your primary residence' as Yes. Require corrected declaration copies. |  |  |  | Reviewer Comment (2026-04-23): XXXXX<br>Buyer Comment (2026-04-22): XXXXX<br>| 04/23/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89016019 | 36531532 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. Page 4 does not reflect is escrows were declined or not offered. |  |  |  | Reviewer Comment (2026-04-24): XXXXX<br>Buyer Comment (2026-04-23): XXXXX<br>|  | 04/24/2026 |  | 2<br> C<br> B |  | CA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 89016019 | 36531533 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Borrower is qualified by Average Monthly Income. Income was not validated by the AUS and XXXXX W2 required and provided. XXXXX W2 Transcript is required or no results found. |  |  |  | Reviewer Comment (2026-04-29): XXXXX<br>Buyer Comment (2026-04-27): XXXXX<br>| 04/29/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89016019 | 36531534 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Borrower is qualified by Average Monthly Income & Bonus Income by 2 Year Average Income. Two years W2 Tax Transcripts XXXXX & XXXXX. MS |  |  |  | Reviewer Comment (2026-04-29): XXXXX<br>| 04/29/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 89016019 | 36531535 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-04-29): XXXXX<br>| 04/29/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Second Home | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 89016019 | 36531536 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-04-29): XXXXX<br>| 04/29/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85970581 | 36531541 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | VVOE - Employment Only: Verification(s) of employment is not within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Buyer Comment (2026-04-21): XXXXX<br>| 04/22/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85970581 | 36531542 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Buyer Comment (2026-04-21): XXXXX<br>| 04/22/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Second Home | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 85970581 | 36531543 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Buyer Comment (2026-04-21): XXXXX<br>| 04/22/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 85970581 | 36531545 |  | 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 $913.00 exceeds tolerance of $880.00. $33.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $880.00 on Initial LE and $913.00 on Final CD. No Evidence of cure and no valid COC provided in file. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Buyer Comment (2026-04-21): XXXXX<br>|  | 04/22/2026 |  | 2<br> C<br> B |  | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 85970581 | 36531546 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE - Employment Only: Verification(s) of employment is not within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-22): XXXXX<br>Buyer Comment (2026-04-21): XXXXX<br>| 04/22/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82746720 | 36531548 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was not provided to the borrower within 3 days of closing. Waiver was not provided. |  |  |  | Reviewer Comment (2026-05-05): XXXXX<br>Buyer Comment (2026-05-01): XXXXX<br>| 05/05/2026 |  |  | 1<br> B<br> A |  | UT | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 82746720 | 36531549 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure was not provided to Borrower(s) at least three (3) business days prior to closing. CD is dated XX/XX/XX and was not signed until XX/XX/XX which is the same day as closing. Only one CD provided. |  |  |  | Reviewer Comment (2026-05-04): XXXXX<br>Buyer Comment (2026-05-01): XXXXX<br>| 05/04/2026 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.1

![](logo_situs.jpg)

#### Valuation Report

#### Run Date - 5/27/2026 1:22:28 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [redacted] | [redacted] | [redacted] | [redacted] | 88926797 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88351905 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87839509 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85236238 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83188804 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85216137 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89084048 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88247378 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82545990 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.670% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85394492 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89749402 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86841746 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83824425 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.560% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88162858 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83597741 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 81049344 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86893997 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 84652362 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85040225 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86530385 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83052724 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 81172056 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86745829 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84704769 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.670% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88629525 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84125257 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84135557 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 84404367 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88164636 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86752879 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88709125 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 28.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81669489 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88374107 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83302599 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 84477038 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89747834 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84782220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85511254 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88222209 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81038763 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 84166866 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87129094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.820% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80006851 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 80532624 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.940% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 80734131 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89015518 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81147070 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87796647 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85189317 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89589329 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87340597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84710815 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82773463 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.040% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83380610 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 89473081 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83081735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83527781 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87400043 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88399945 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87703199 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88552625 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88363941 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 83899223 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 89994695 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 82057172 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89429632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88594578 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 88958251 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83409587 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84668078 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87845065 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86639058 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86831591 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.410% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80680621 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86454702 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.380% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85590981 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89576591 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.060% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85079472 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84790143 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86651175 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86368317 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81721074 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 81825335 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.010% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84311115 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88890013 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.410% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.10 | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86498916 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86300267 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80900995 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86781428 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 80708540 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85066358 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87998366 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 81832089 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85456749 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82641285 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83528264 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85750905 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 89137926 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 88730412 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88640431 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87124107 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80245673 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84764727 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88584197 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88762020 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87934936 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89186959 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81803188 |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 80972478 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81287875 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87924947 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.690% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82709555 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 81757591 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88175718 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81958834 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88127376 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86659624 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84236115 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81538087 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89264153 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84175942 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 89199584 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84354669 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89174389 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 87391508 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88385853 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88461715 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.380% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83082167 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84375137 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80421348 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84376531 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82174256 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.370% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 83284344 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89890300 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85033557 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85229011 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83172932 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83058134 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 85549394 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86778642 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83964774 |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 1.110% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 86612327 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88503596 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87702445 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88011790 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82799447 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 88671898 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80162899 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88791012 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 82719075 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80503135 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81385526 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85963735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84732278 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82742105 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 81801540 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89038289 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88157591 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85268114 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 88893136 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88202543 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87669778 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.880% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82037634 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80840509 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89016019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88775990 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85970581 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82746720 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |

---

## Exhibit 99.1

![](logo_situs.jpg)

#### Supplemental Data

#### Run Date - 5/27/2026 1:22:28 PM

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **Default Interest Rate** | **Default Interest Accrual Start Days** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Amortization Term Less IO** |
| [redacted] | [redacted] | [redacted] | [redacted] | 88926797 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14697.50 | $16236.98 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22204.54 | 1 | $8211.24 | $3045.00 | $684.27 | $253.75 |  |  |  |  |  | 32.226% | 32.226% | 32.226% | 7/XX/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14697.50 |  | XXXX% | $0.00 | 4.1 | DU |  | ApproveIneligible | Yes | No | XXXX% | 0 | 2 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $365963.52 |  | No |  | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 58.13 |  | No | No |  |  |  | $0.00 | $12529.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88351905 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12302.50 | $15924.04 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11828.78 | 1 | $18137.52 | $1882.08 | $1511.46 | $156.84 |  |  |  |  |  | 43.280% | 43.280% | 43.280% | 6/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12302.50 |  | XXXX% | $6532.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX% | 2 | 1 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $535874.81 | 36.930% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.7 |  |  | No |  |  |  | $0.00 | $8797.49 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87839509 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16539.94 | $37486.38 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29706.03 | 1 | $10719.84 | $3024.00 | $893.32 | $252.00 |  |  |  |  |  | 40.843% | 40.843% | 40.843% | 11/XX/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16539.94 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX% | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $178034.25 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 26.88 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85236238 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $16798.00 | $4649.06 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14056.04 | 1 | $12130.56 | $4589.04 | $1010.88 | $382.42 |  |  |  |  |  | 42.144% | 42.144% | 42.144% | 12/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16798.00 |  | XXXX% | $15012.80 | 4.0 | LP / LPA |  | Accept/Eligible | No | No | XXXX% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $3050116.33 | 100.000% | No | 35 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 516.09 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83188804 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.06 | $12464.95 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24937.45 | 1 | $18000.60 | $3767.04 | $1500.05 | $313.92 |  |  |  |  |  | 28.049% | 28.049% | 28.049% | 1/XX/2026 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6194.06 |  | XXXX% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $46684.58 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 3.58 |  |  | No |  |  |  | $0.00 | $15076.53 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85216137 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $8519.32 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $19812.50 | 1 | $20598.48 | $3990.12 | $1716.54 | $332.51 |  |  |  |  |  | 42.342% | 42.342% | 42.342% | 2/XX/2026 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | XXXX% | $21009.12 | 2.0 | DU |  | ApproveIneligible | N/A | No | XXXX% | 3 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $465995.65 | 22.190% | No | 35 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 2.67 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89084048 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4670.00 | $6476.76 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17211.38 | 1 | $11562.00 | $5210.40 | $963.50 | $434.20 |  |  |  |  |  | 48.995% | 48.995% | 48.995% | 1/XX/2026 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4670.00 |  | XXXX% | $0.00 | 1.7 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $2684975.58 | 100.000% | No |  | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 248.7 |  | No | No |  |  |  | $0.00 | $25069.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88247378 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11210.00 | $1954.40 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19876.61 | 1 | $22450.20 | $1714.32 | $1870.85 | $142.86 |  |  |  |  |  | 41.427% | 41.427% | 41.427% | 12/XX/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11210.00 |  | XXXX% | $0.00 | 3.3 | DU |  | ApproveEligible | N/A | No | XXXX% | 1 | 1 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $66692.64 |  | No |  | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.18 |  | No | No |  |  |  | $0.00 | $15638.52 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82545990 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1670.00 | $3931.80 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26456.49 | 1 | $20117.64 | $3894.96 | $1676.47 | $324.58 |  |  |  |  |  | 43.065% | 43.065% | 43.065% | 1/XX/2026 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1670.00 |  | XXXX% | $0.00 | 1.1 | DU |  | ApproveIneligible | No | No | XXXX% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $905919.47 | 32.350% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.88 |  | Yes | No |  |  |  | $0.00 | $33967.51 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85394492 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $3717.90 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30793.57 | 1 | $31544.64 | $6486.84 | $2628.72 | $540.57 |  |  |  |  |  | 38.413% | 38.413% | 38.413% | 1/XX/2026 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1995.00 |  | XXXX% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | XXXX% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $70950.87 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.41 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89749402 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3351.20 | $7311.16 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28331.18 | 1 | $25058.76 | $2234.04 | $2088.23 | $186.17 |  |  |  |  |  | 38.438% | 38.438% | 38.438% | 3/XX/2026 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3351.20 |  | XXXX% | $12345.60 | 2.1 | DU |  | ApproveIneligible | No | No | XXXX% | 3 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $424301.67 | 24.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.14 |  | Yes | No |  |  |  | $0.00 | $12687.52 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86841746 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10485.24 | $12241.17 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28799.63 | 1 | $31160.76 | $13938.96 | $2596.73 | $1161.58 |  |  |  |  |  | 30.660% | 30.660% | 30.660% | 1/XX/2026 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10485.24 |  | XXXX% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $3595961.92 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 285 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83824425 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9270.00 | $49314.37 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24813.24 | 1 | $37131.12 | $9321.96 | $3094.26 | $776.83 |  |  |  |  |  | 44.638% | 44.638% | 44.638% | 1/XX/2026 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9270.00 |  | XXXX% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | XXXX% | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $186269.04 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.31 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88162858 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4722.76 | $4722.76 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17445.94 | 1 | $12560.52 | $3492.48 | $1046.71 | $291.04 |  |  |  |  |  | 32.900% | 32.900% | 32.900% | 1/XX/2026 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4722.76 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $760157.97 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 90.14 |  |  | No |  |  |  | $0.00 | $26000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83597741 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8095.00 | $13013.70 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22586.59 | 1 | $6062.52 | $3854.04 | $505.21 | $321.17 |  |  |  |  |  | 24.079% | 24.079% | 24.079% | 1/XX/2026 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8095.00 |  | XXXX% | $0.00 |  | DU |  | ApproveEligible | Yes | No | XXXX% | 2 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $264812.19 | 46.050% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.54 |  |  | No |  |  |  | $0.00 | $15583.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81049344 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2290.00 | $8562.11 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21240.62 | 1 | $21062.52 | $2199.12 | $1755.21 | $183.26 |  |  |  |  |  | 37.604% | 37.604% | 37.604% | 1/XX/2026 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2290.00 |  | XXXX% | $0.00 | 2.9 | DU |  | ApproveIneligible | Yes | No | XXXX% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $359540.26 | 21.330% | No | 12 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.4 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86893997 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9936.00 | $12756.76 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15820.18 | 1 | $11829.60 | $775.80 | $985.80 | $64.65 |  |  |  |  |  | 48.661% | 48.661% | 48.661% | 2/XX/2026 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9936.00 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXXX% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $14867.53 |  | No | 25 | 25 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 0.28 |  | No | No |  |  |  | $0.00 | $12656.62 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84652362 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6740.60 | $7851.92 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12259.16 | 1 | $6090.24 | $4602.96 | $507.52 | $383.58 |  |  |  |  |  | 34.776% | 34.776% | 34.776% | 2/XX/2026 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6740.60 |  | XXXX% | $0.00 | 2.4 | DU |  | ApproveEligible | Yes | No | XXXX% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $72846.22 |  | No | 24 | 27 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.91 |  | No | No |  |  |  | $0.00 | $6534.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85040225 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1915.00 | $4056.45 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23891.75 | 1 | $20399.64 | $1808.04 | $1699.97 | $150.67 |  |  |  |  |  | 41.340% | 41.340% | 41.340% | 1/XX/2026 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1915.00 |  | XXXX% | $16751.75 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1152849.13 | 60.670% | No |  | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 60.89 |  | Yes | No |  |  |  | $0.00 | $40729.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86530385 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20894.00 | $44120.42 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24236.98 | 1 | $20416.32 | $5972.04 | $1701.36 | $497.67 |  |  |  |  |  | 30.545% | 30.545% | 30.545% | 1/XX/2026 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20894.00 |  | XXXX% | $10000.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX% | 2 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $785470.00 | 65.450% | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 67.97 |  | No | No |  |  |  | $0.00 | $6666.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83052724 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10000.00 | $5757.40 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $53617.39 | 1 | $16391.52 | $2891.04 | $1365.96 | $240.92 |  |  |  |  |  | 19.590% | 19.590% | 19.590% | 1/XX/2026 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10000.00 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 0 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $19572.84 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 3.14 |  | No | No |  |  |  | $66680.25 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81172056 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3012.44 | $2591.77 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23537.71 | 1 | $5413.08 | $2967.96 | $451.09 | $247.33 |  |  |  |  |  | 29.387% | 29.387% | 29.387% | 2/XX/2026 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3012.44 |  | XXXX% | $0.00 | 3.1 | DU |  | ApproveIneligible | Yes | No | XXXX% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86745829 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1895.00 | $4582.01 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14797.33 | 1 | $16490.04 | $1886.16 | $1374.17 | $157.18 |  |  |  |  |  | 38.953% | 38.953% | 38.953% | 2/XX/2026 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1895.00 |  | XXXX% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $7930.76 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 0.99 |  | No | No |  |  |  | $0.00 | $6666.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84704769 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $55505.00 | $69835.50 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25541.74 | 1 | $26847.84 | $2934.12 | $2237.32 | $244.51 |  |  |  |  |  | 40.790% | 40.790% | 40.790% | 1/XX/2026 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $55505.00 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX% | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $732699.78 | 24.420% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.35 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88629525 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7140.00 | $10116.94 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $50477.92 | 1 | $7753.08 | $10203.72 | $646.09 | $850.31 |  |  |  |  |  | 22.180% | 22.180% | 22.180% | 2/XX/2026 | 771 | 764 | 773 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7140.00 |  | XXXX% | $7800.00 | 2.8 | DU |  | ApproveIneligible | N/A | No | XXXX% | 3 | 2 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $2716656.69 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 307.75 |  | No | No |  |  |  | $0.00 | $19750.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84125257 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2490.00 | $12666.98 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Non-Employment Income | Non-Employment Income | Employed | Employed | 20.76 | 23.55 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $15648.76 | 1 | $2162.64 | $1292.04 | $180.22 | $107.67 |  |  |  |  |  | 45.392% | 45.392% | 45.392% | 1/XX/2026 | 757 | 781 | 781 | 791 | 791 | 771 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2490.00 |  | XXXX% | $0.00 | 2.1 | DU |  | ApproveEligible | Yes | No | XXXX% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $529403.71 |  | No |  |  | 36 | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  | No | 84.68 |  | No | No |  |  |  | $6882.48 | $18380.46 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84135557 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4993.92 |  |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28967.68 | 1 | $52661.16 | $15180.36 | $4388.43 | $1265.03 |  |  |  |  |  | 49.766% | 49.766% | 49.766% | 2/XX/2026 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4993.92 |  | XXXX% | $25000.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1280936.16 | 35.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.15 |  | Yes | No |  |  |  | $0.00 | $45320.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84404367 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $35185.00 | $67150.30 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21825.71 | 1 | $11394.00 | $3189.60 | $949.50 | $265.80 |  |  |  |  |  | 47.394% | 47.394% | 47.394% | 1/XX/2026 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $35185.00 |  | XXXX% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | XXXX% | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $228195.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88164636 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $37503.07 | $43567.94 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $67512.04 | 1 | $20368.68 | $4468.92 | $1697.39 | $372.41 |  |  |  |  |  | 26.815% | 26.815% | 26.815% | 3/XX/2026 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $37503.07 |  | XXXX% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX% | 2 | 2 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $35372.41 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 1.79 |  |  | No |  |  |  | $45665.77 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86752879 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10809.66 | $13756.08 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21042.46 | 1 | $19696.20 | $7518.00 | $1641.35 | $626.50 |  |  |  |  |  | 30.642% | 30.642% | 30.642% | 2/XX/2026 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2026<br> [Borrower - \| Primary Income - K-1 (< 25%)]; VVOE - 2026<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; Account Transcripts - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Account Transcripts - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10809.66 |  | XXXX% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXXX% | 0 | 0 | 2 | 0 | 2 | 3 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $87987.24 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.33 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88709125 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9522.00 | $11201.45 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35677.75 | 1 | $19998.96 | $4866.00 | $1666.58 | $405.50 |  |  |  |  |  | 32.141% | 32.141% | 32.141% | 1/XX/2026 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9522.00 |  | XXXX% | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | XXXX% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $74233.13 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.4 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81669489 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $28541.00 | $35448.14 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7632.80 | 1 | $4419.96 | $0.00 | $368.33 | $0.00 |  |  |  |  |  | 49.866% | 49.866% | 49.866% | 2/XX/2026 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $28541.00 |  | XXXX% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX% | 3 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $134574.03 | 10.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.76 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88374107 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7115.46 | $9753.18 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $53556.42 | 1 | $8559.36 | $8601.60 | $713.28 | $716.80 |  |  |  |  |  | 18.710% | 18.710% | 18.710% | 1/XX/2026 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7115.46 |  | XXXX% | $0.00 | 3.5 | DU |  | ApproveIneligible | Yes | No | XXXX% | 3 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $8834.59 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 25.6 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83302599 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $31195.00 | $15100.26 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19583.47 | 1 | $15435.60 | $2730.36 | $1286.30 | $227.53 |  |  |  |  |  | 48.714% | 48.714% | 48.714% | 12/XX/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $31195.00 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | 3/XX/2056 | $3529141.89 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 271.45 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84477038 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20195.00 | $25260.00 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12423.46 | 1 | $23750.04 | $4188.12 | $1979.17 | $349.01 |  |  |  |  |  | 49.838% | 49.838% | 49.838% | 2/XX/2026 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20195.00 |  | XXXX% | $3000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $363484.05 | 19.130% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 0.39 |  |  | No |  |  |  | $0.00 | $14766.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89747834 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $1945.86 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11343.89 | 1 | $5826.48 | $2424.96 | $485.54 | $202.08 |  |  |  |  |  | 47.644% | 47.644% | 47.644% | 2/XX/2026 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1195.00 |  | XXXX% | $318600.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $68717.21 | 3.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.56 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84782220 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $767.67 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8966.58 | 1 | $1215.60 | $2131.80 | $101.30 | $177.65 |  |  |  |  |  | 39.168% | 39.168% | 39.168% | 2/XX/2026 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | XXXX% | $13200.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $213570.85 | 32.350% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.62 |  | No | No |  |  |  | $0.00 | $10573.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85511254 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6094.97 | $9386.63 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11565.22 | 1 | $4461.84 | $3036.84 | $371.82 | $253.07 |  |  |  |  |  | 46.945% | 46.945% | 46.945% | 4/XX/2026 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6094.97 |  | XXXX% | $0.00 | 2.8 | LP / LPA |  | Accept/Ineligible | No | No | XXXX% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $368494.88 | 33.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.84 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88222209 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20145.00 | $22154.62 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31254.49 | 1 | $6906.96 | $2414.04 | $575.58 | $201.17 |  |  |  |  |  | 47.176% | 47.176% | 47.176% | 1/XX/2026 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20145.00 |  | XXXX% | $0.00 | 3.5 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX% | 0 |  | 2 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $671880.22 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 68.1 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81038763 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $2760.16 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29712.68 | 1 | $20061.48 | $3033.00 | $1671.79 | $252.75 |  |  |  |  |  | 28.006% | 28.006% | 28.006% | 2/XX/2026 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1995.00 |  | XXXX% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | XXXX% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $165111.67 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.69 |  |  | No |  |  |  | $0.00 | $22891.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84166866 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11249.79 | $15478.77 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15739.58 | 1 | $18039.60 | $2910.00 | $1503.30 | $242.50 |  |  |  |  |  | 49.909% | 49.909% | 49.909% | 2/XX/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11249.79 |  | XXXX% | $0.00 | 1.6 | DU |  | ApproveIneligible | Yes | No | XXXX% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $45149.15 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.92 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87129094 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2000.20 | $13318.26 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33130.70 | 1 | $30064.20 | $3121.92 | $2505.35 | $260.16 |  |  |  |  |  | 45.664% | 45.664% | 45.664% | 2/XX/2026 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2000.20 |  | XXXX% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX% | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $306325.98 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.93 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80006851 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18739.00 | $21915.14 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15655.50 | 1 | $5444.76 | $6463.80 | $453.73 | $538.65 |  |  |  |  |  | 37.786% | 37.786% | 37.786% | 2/XX/2026 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18739.00 |  | XXXX% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $564226.67 | 45.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34 |  | No | No |  |  |  | $0.00 | $10164.09 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80532624 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $31585.00 | $44811.45 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29040.99 | 1 | $9097.32 | $3465.84 | $758.11 | $288.82 |  |  |  |  |  | 44.563% | 44.563% | 44.563% | 2/XX/2026 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $31585.00 |  | XXXX% | $7800.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX% | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $261045.98 | 7.670% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.28 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80734131 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4252.63 | $5582.92 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13612.28 | 1 | $18702.72 | $2691.96 | $1558.56 | $224.33 |  |  |  |  |  | 45.460% | 45.460% | 45.460% | 3/XX/2026 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4252.63 |  | XXXX% | $0.00 | 3.4 | DU |  | ApproveIneligible | Yes | No | XXXX% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $11866.60 |  | No |  | 37 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 1.07 |  |  | No |  |  |  | $0.00 | $12875.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89015518 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4327.72 | $4347.98 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17412.86 | 1 | $4610.28 | $4288.92 | $384.19 | $357.41 |  |  |  |  |  | 41.465% | 41.465% | 41.465% | 2/XX/2026 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4327.72 |  | XXXX% | $0.00 | 1.4 | DU |  | ApproveIneligible | Yes | No | XXXX% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $12389.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 0.44 |  | No | No |  |  |  | $0.00 | $4914.41 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81147070 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9944.07 | $9952.07 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25390.64 | 1 | $20073.24 | $9029.16 | $1672.77 | $752.43 |  |  |  |  |  | 33.587% | 33.587% | 33.587% | 2/XX/2026 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9944.07 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $88504.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.36 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87796647 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6249.68 | $7433.05 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $42213.40 | 1 | $5014.92 | $2729.04 | $417.91 | $227.42 |  |  |  |  |  | 23.200% | 23.200% | 23.200% | 2/XX/2026 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6249.68 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX% | 0 | 2 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1212730.92 | 78.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 103.16 |  | No | No |  |  |  | $0.00 | $8560.41 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85189317 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1890.00 | $7123.77 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9627.85 | 1 | $13711.44 | $669.96 | $1142.62 | $55.83 |  |  |  |  |  | 42.233% | 42.233% | 42.233% | 2/XX/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1890.00 |  | XXXX% | $0.00 | 3.6 | DU |  | ApproveEligible | Yes | No | XXXX% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $35222.65 |  | No | 36 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 1.99 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89589329 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2080.00 | $3852.21 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21006.85 | 1 | $5813.04 | $1461.24 | $484.42 | $121.77 |  |  |  |  |  | 42.988% | 42.988% | 42.988% | 2/XX/2026 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2080.00 |  | XXXX% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX% | 0 |  | 2 | 0 | 2 | 1 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $621807.37 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 111.18 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87340597 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3100.00 | $4950.37 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12851.15 | 1 | $14832.72 | $4274.16 | $1236.06 | $356.18 |  |  |  |  |  | 46.772% | 46.772% | 46.772% | 2/XX/2026 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3100.00 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX% | 2 | 1 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $53222.11 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 5.09 |  | No | No |  |  |  | $0.00 | $9706.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84710815 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2080.00 | $3659.51 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17348.15 | 1 | $2753.52 | $1206.00 | $229.46 | $100.50 |  |  |  |  |  | 24.360% | 24.360% | 24.360% | 2/XX/2026 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2080.00 |  | XXXX% | $2000.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1096033.76 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 338.3 |  | No | No |  |  |  | $0.00 | $11852.63 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82773463 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10294.17 | $12088.09 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $58251.34 | 1 | $34055.64 | $9589.92 | $2837.97 | $799.16 |  |  |  |  |  | 22.706% | 22.706% | 22.706% | 3/XX/2026 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10294.17 |  | XXXX% | $0.00 | 5.0 | DU |  | ApproveIneligible | Yes | No | XXXX% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $445548.69 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.76 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83380610 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $4540.70 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29324.62 | 1 | $8804.04 | $2353.56 | $733.67 | $196.13 |  |  |  |  |  | 30.602% | 30.602% | 30.602% | 2/XX/2026 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1995.00 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $20885.29 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 2.37 |  | No | No |  |  |  | $0.00 | $31833.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89473081 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1495.00 | $3879.06 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35169.74 | 1 | $12603.24 | $4230.00 | $1050.27 | $352.50 |  |  |  |  |  | 35.492% | 35.492% | 35.492% | 3/XX/2026 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1495.00 |  | XXXX% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX% | 1 |  | 1 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $730.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83081735 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1770.00 | $2803.70 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24058.95 | 1 | $9042.48 | $2208.96 | $753.54 | $184.08 |  |  |  |  |  | 37.258% | 37.258% | 37.258% | 2/XX/2026 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1770.00 |  | XXXX% | $0.00 | 3.1 | DU |  | ApproveIneligible | Yes | No | XXXX% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $605072.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 96.6 |  | No | No |  |  |  | $0.00 | $21905.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83527781 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1515.00 | $7294.34 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8745.81 | 1 | $10643.40 | $5070.96 | $886.95 | $422.58 |  |  |  |  |  | 47.523% | 47.523% | 47.523% | 2/XX/2026 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1515.00 |  | XXXX% | $6500.00 | 3.8 | LP / LPA |  | Accept/Ineligible | No | No | XXXX% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1638604.14 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 153.38 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87400043 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16250.00 | $8951.65 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | Yes | Not Employed | Self-Employed | Self-Employed |  | 13.22 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $70612.62 | 1 | $28585.08 | $14283.12 | $2382.09 | $1190.26 |  |  |  |  |  | 19.182% | 19.182% | 19.182% | 3/XX/2026 | 748 | 800 | 820 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16250.00 |  | XXXX% | $0.00 | 2.6 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX% | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $37827.56 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 146.36 |  | No | No |  |  |  | $87372.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88399945 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2190.00 | $24014.16 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25755.34 | 1 | $21801.48 | $7395.00 | $1816.79 | $616.25 |  |  |  |  |  | 45.476% | 45.476% | 45.476% | 1/XX/2026 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Other - 2026<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2190.00 |  | XXXX% | $11268.90 | 3.4 | LP / LPA |  | Accept/Ineligible | No | No | XXXX% | 1 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | 4/XX/2056 | $5517625.15 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 92.69 |  | No | No |  |  |  | $13295.76 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87703199 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $2572.66 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14634.78 | 1 | $14733.48 | $3222.48 | $1227.79 | $268.54 |  |  |  |  |  | 48.625% | 48.625% | 48.625% | 2/XX/2026 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1995.00 |  | XXXX% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $15325.42 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.55 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88552625 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8193.88 | $46976.33 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12457.52 | 1 | $21958.08 | $4009.08 | $1829.84 | $334.09 |  |  |  |  |  | 49.851% | 49.851% | 49.851% | 1/XX/2026 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8193.88 |  | XXXX% | $0.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | XXXX% | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $374491.11 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple |  | Individually and as Trustee | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.24 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88363941 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6040.96 | $8359.29 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11185.77 | 1 | $4669.32 | $5192.64 | $389.11 | $432.72 |  |  |  |  |  | 49.153% | 49.153% | 49.153% | 2/XX/2026 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6040.96 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $0.00 |  | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No |  |  |  | $0.00 | $11036.97 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83899223 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21250.00 | $43150.28 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14631.47 | 1 | $8055.12 | $6792.00 | $671.26 | $566.00 |  |  |  |  |  | 49.835% | 49.835% | 49.835% | 3/XX/2026 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21250.00 |  | XXXX% | $0.00 |  | DU |  | ApproveIneligible | No | No | XXXX% | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $247467.38 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 166.39 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89994695 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $508.52 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16063.26 | 1 | $28242.12 | $6109.44 | $2353.51 | $509.12 |  |  |  |  |  | 48.029% | 48.029% | 48.029% | 3/XX/2026 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1995.00 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $700.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82057172 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2080.00 | $3651.94 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6534.55 | 1 | $1572.12 | $1575.84 | $131.01 | $131.32 |  |  |  |  |  | 37.543% | 37.543% | 37.543% | 2/XX/2026 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2080.00 |  | XXXX% | $104521.20 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $29985.80 | 6.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.53 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89429632 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $1571.92 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $74630.14 | 1 | $33254.16 | $2870.16 | $2771.18 | $239.18 |  |  |  |  |  | 21.044% | 21.044% | 21.044% | 3/XX/2026 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | XXXX% | $17200.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | XXXX% | 0 |  | 1 | 0 | 1 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $3309898.59 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 278.06 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88594578 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3190.00 | $10385.25 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9582.51 | 1 | $2574.84 | $837.96 | $214.57 | $69.83 |  |  |  |  |  | 48.893% | 48.893% | 48.893% | 2/XX/2026 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3190.00 |  | XXXX% | $4625.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXXX% | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $173629.94 | 28.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.52 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88958251 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4958.17 | $5835.99 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $54158.12 | 1 | $29640.72 | $4143.00 | $2470.06 | $345.25 |  |  |  |  |  | 20.651% | 20.651% | 20.651% | 2/XX/2026 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4958.17 |  | XXXX% | $0.00 | 2.1 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $141939.64 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.93 |  |  | No |  |  |  | $0.00 | $14712.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83409587 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $995.00 | $1995.14 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8432.04 | 1 | $4688.76 | $1867.08 | $390.73 | $155.59 |  |  |  |  |  | 33.361% | 33.361% | 33.361% | 2/XX/2026 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $995.00 |  | XXXX% | $5000.00 | 1.9 | DU |  | ApproveEligible | Yes | No | XXXX% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $189177.12 | 44.450% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.98 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84668078 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $40720.00 | $45792.24 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13636.89 | 1 | $29140.56 | $4250.04 | $2428.38 | $354.17 |  |  |  |  |  | 49.013% | 49.013% | 49.013% | 3/XX/2026 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $40720.00 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX% | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $265458.27 |  | No | 15 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.58 |  | No | No |  |  |  | $0.00 | $17457.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87845065 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1700.00 | $4173.44 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14441.81 | 1 | $12452.88 | $6116.04 | $1037.74 | $509.67 |  |  |  |  |  | 49.243% | 49.243% | 49.243% | 3/XX/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1700.00 |  | XXXX% | $0.00 | 1.4 | LP / LPA |  | Accept/Eligible | No | No | XXXX% | 3 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $2491115.20 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 224.06 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86639058 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3802.24 | $4598.79 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $45343.02 | 1 | $4127.40 | $964.20 | $343.95 | $80.35 |  |  |  |  |  | 9.314% | 9.314% | 9.314% | 3/XX/2026 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3802.24 |  | XXXX% | $0.00 | 2.4 | DU |  | ApproveEligible | No | No | XXXX% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $200423.21 | 27.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.69 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86831591 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6594.70 | $10709.88 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11624.10 | 1 | $24224.40 | $6339.84 | $2018.70 | $528.32 |  |  |  |  |  | 49.869% | 49.869% | 49.869% | 4/XX/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6594.70 |  | XXXX% | $0.00 | 2.9 | DU |  | ApproveIneligible | Yes | No | XXXX% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $475480.48 |  | No | 16 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 40.36 |  |  | No |  |  |  | $4884.71 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80680621 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1690.00 | $2552.16 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7225.36 | 1 | $2579.04 | $344.04 | $214.92 | $28.67 |  |  |  |  |  | 45.623% | 45.623% | 45.623% | 2/XX/2026 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1690.00 |  | XXXX% | $3000.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX% | 3 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $67483.53 | 24.530% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.64 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86454702 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21735.40 | $16602.96 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $59465.75 | 1 | $23970.60 | $9990.36 | $1997.55 | $832.53 |  |  |  |  |  | 21.387% | 21.387% | 21.387% | 3/XX/2026 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21735.40 |  | XXXX% | $2000.00 | 4.2 | DU |  | ApproveIneligible | No | No | XXXX% | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1634409.34 | 77.820% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 81.07 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85590981 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24806.22 | $31066.62 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17527.43 | 1 | $20987.52 | $2131.20 | $1748.96 | $177.60 |  |  |  |  |  | 44.948% | 44.948% | 44.948% | 3/XX/2026 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24806.22 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $679453.21 | 40.460% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.08 |  | Yes | No |  |  |  | $0.00 | $19337.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89576591 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1445.00 | $7740.46 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29419.68 | 1 | $26723.64 | $7173.96 | $2226.97 | $597.83 |  |  |  |  |  | 37.875% | 37.875% | 37.875% | 2/XX/2026 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1445.00 |  | XXXX% | $0.00 | 3.6 | DU |  | ApproveIneligible | No | No | XXXX% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $249899.78 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.78 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85079472 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2790.00 | $4141.51 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9053.89 | 1 | $1875.24 | $1098.36 | $156.27 | $91.53 |  |  |  |  |  | 38.894% | 38.894% | 38.894% | 2/XX/2026 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - Annuity]; Other - 2026<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 | [Borrower]; Transcripts (1040) - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2790.00 |  | XXXX% | $0.00 | 3.3 | LP / LPA |  | Accept/Eligible | No | No | XXXX% | 0 | 0 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | 4/XX/2056 | $1068819.02 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 57.42 |  | No | No |  |  |  | $1414.01 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84790143 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10796.65 | $14445.55 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16770.60 | 1 | $29013.96 | $4464.36 | $2417.83 | $372.03 |  |  |  |  |  | 37.772% | 37.772% | 37.772% | 2/XX/2026 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10796.65 |  | XXXX% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX% | 1 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $210004.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.53 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86651175 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 |  |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17573.00 | 1 | $6267.84 | $1521.96 | $522.32 | $126.83 |  |  |  |  |  | 43.348% | 43.348% | 43.348% | 3/XX/2026 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | XXXX% | $32048.40 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $219666.50 | 13.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.76 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86368317 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2080.00 | $2674.17 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27781.31 | 1 | $6852.12 | $3543.00 | $571.01 | $295.25 |  |  |  |  |  | 39.239% | 39.239% | 39.239% | 1/XX/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2080.00 |  | XXXX% | $0.00 | 1.9 | DU |  | ApproveEligible | Yes | No | XXXX% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $57870.91 |  | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.83 |  | No | No |  |  |  | $0.00 | $10870.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81721074 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6073.70 | $7922.38 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16437.43 | 1 | $11070.72 | $3074.28 | $922.56 | $256.19 |  |  |  |  |  | 35.905% | 35.905% | 35.905% | 3/XX/2026 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6073.70 |  | XXXX% | $6549.44 |  | LP / LPA |  | Accept/Eligible | N/A | No | XXXX% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $328437.00 | 56.140% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 87.52 |  | Yes | No |  |  |  | $0.00 | $11294.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81825335 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $5285.55 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | Yes | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21594.38 | 1 | $3322.32 | $2037.00 | $276.86 | $169.75 |  |  |  |  |  | 41.671% | 41.671% | 41.671% | 2/XX/2026 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | XXXX% | $2500.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.63 |  | No | No |  |  |  | $33683.10 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87563202 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9950.00 | $13131.78 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29242.60 | 1 | $3000.00 | $3945.00 | $250.00 | $328.75 |  |  |  |  |  | 45.864% | 45.864% | 45.864% | 2/XX/2026 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9950.00 |  | XXXX% | $0.00 | 3.1 | DU |  | ApproveIneligible | No | No | XXXX% | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1287856.97 | 45.830% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 71.42 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84311115 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2734.82 | $6100.71 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19477.42 | 1 | $8986.44 | $8087.16 | $748.87 | $673.93 |  |  |  |  |  | 38.378% | 38.378% | 38.378% | 3/XX/2026 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2734.82 |  | XXXX% | $17000.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX% | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $92859.23 | 14.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.65 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88890013 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6250.00 | $17750.44 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31105.84 | 1 | $44501.28 | $4028.28 | $3708.44 | $335.69 |  |  |  |  |  | 39.555% | 39.555% | 39.555% | 12/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6250.00 |  | XXXX% | $0.00 | 4.1 | DU |  | ApproveIneligible | No | No | XXXX% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $189422.13 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.22 |  |  | No |  |  |  | $0.00 | $20366.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86498916 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5592.68 | $6402.64 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29141.09 | 1 | $11179.32 | $1923.00 | $931.61 | $160.25 |  |  |  |  |  | 30.061% | 30.061% | 30.061% | 1/XX/2026 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2026<br> [Borrower - \| Primary Income - Projected Income]; Employment Offer - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5592.68 |  | XXXX% | $13997.32 | 2.6 | LP / LPA |  | Accept/Ineligible | No | No | XXXX% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $342437.41 | 23.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.66 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86300267 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25868.40 | $10915.02 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13534.79 | 1 | $24117.00 | $5981.52 | $2009.75 | $498.46 |  |  |  |  |  | 48.961% | 48.961% | 48.961% | 1/XX/2026 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25868.40 |  | XXXX% | $47475.00 | 4.1 | DU |  | ApproveIneligible | No | No | XXXX% | 2 | 2 | 0 | 0 | 5 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $2529096.37 | 100.000% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 227.9 |  | No | No |  |  |  | $0.00 | $9603.75 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80900995 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9216.00 | $9729.27 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25427.37 | 1 | $11072.04 | $8004.96 | $922.67 | $667.08 |  |  |  |  |  | 44.826% | 44.826% | 44.826% | 2/XX/2026 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9216.00 |  | XXXX% | $0.00 | 3.1 | DU |  | ApproveIneligible | Yes | No | XXXX% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $261295.41 | 10.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.66 |  | Yes | No |  |  |  | $0.00 | $17433.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86781428 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9999.40 | $15658.30 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14677.45 | 1 | $29237.52 | $6828.00 | $2436.46 | $569.00 |  |  |  |  |  | 48.948% | 48.948% | 48.948% | 3/XX/2026 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9999.40 |  | XXXX% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | XXXX% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $130374.42 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.26 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80708540 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $546.02 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30569.94 | 1 | $29721.84 | $8988.00 | $2476.82 | $749.00 |  |  |  |  |  | 48.118% | 48.118% | 48.118% | 2/XX/2026 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | XXXX% | $25000.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | XXXX% | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1005979.90 | 36.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.7 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85066358 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $5921.89 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13329.87 | 1 | $4707.24 | $2226.00 | $392.27 | $185.50 |  |  |  |  |  | 40.701% | 40.701% | 40.701% | 1/XX/2026 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1990.00 |  | XXXX% | $33000.00 | 1.7 | DU |  | ApproveIneligible | N/A | No | XXXX% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $1155004.55 | 78.830% | No | 13 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 114.91 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87998366 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10580.00 | $15332.20 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16459.03 | 1 | $6015.48 | $1524.00 | $501.29 | $127.00 |  |  |  |  |  | 44.535% | 44.535% | 44.535% | 3/XX/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10580.00 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | XXXX% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $797892.61 | 51.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.74 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81832089 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1990.00 | $5640.26 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18685.94 | 1 | $8697.36 | $1215.96 | $724.78 | $101.33 |  |  |  |  |  | 34.791% | 34.791% | 34.791% | 1/XX/2026 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1990.00 |  | XXXX% | $35000.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $763545.54 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple |  | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 177.18 |  | No | No |  |  |  | $0.00 | $9999.60 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85456749 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $5339.18 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29747.84 | 1 | $14858.28 | $3878.16 | $1238.19 | $323.18 |  |  |  |  |  | 34.441% | 34.441% | 34.441% | 2/XX/2026 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | XXXX% | $40000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $405026.05 | 25.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.8 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82641285 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17539.48 | $17539.48 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26460.85 | 1 | $6471.12 | $3071.04 | $539.26 | $255.92 |  |  |  |  |  | 23.487% | 23.487% | 23.487% | 3/XX/2026 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17539.48 |  | XXXX% | $30000.00 | 2.9 | DU |  | ApproveIneligible | No | No | XXXX% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $326844.38 | 25.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.9 |  |  | No |  |  |  | $0.00 | $19583.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83528264 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14482.00 | $25914.42 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17468.55 | 1 | $35251.08 | $3966.00 | $2937.59 | $330.50 |  |  |  |  |  | 49.339% | 49.339% | 49.339% | 1/XX/2026 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14482.00 |  | XXXX% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 2 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $790458.00 | 30.690% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.84 |  | No | No |  |  |  | ($653.00) | $11225.78 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85750905 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18391.50 | $21271.71 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31976.35 | 1 | $4629.60 | $3264.84 | $385.80 | $272.07 |  |  |  |  |  | 44.981% | 44.981% | 44.981% | 2/XX/2026 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18391.50 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $522315.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 49.74 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89137926 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $8575.68 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18212.06 | 1 | $26424.36 | $7760.28 | $2202.03 | $646.69 |  |  |  |  |  | 45.484% | 45.484% | 45.484% | 3/XX/2026 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | XXXX% | $151585.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $505549.29 | 20.590% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.91 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88730412 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1749.75 | $13343.30 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36142.04 | 1 | $21320.52 | $2810.52 | $1776.71 | $234.21 |  |  |  |  |  | 31.089% | 31.089% | 31.089% | 3/XX/2026 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1749.75 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXXX% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88640431 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12612.45 | $15169.39 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24054.30 | 1 | $11397.84 | $5448.00 | $949.82 | $454.00 |  |  |  |  |  | 37.016% | 37.016% | 37.016% | 3/XX/2026 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12612.45 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXXX% | 2 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $137410.50 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.64 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87124107 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $9093.81 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Non-Employment Income | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $29129.00 | 1 | $18246.48 | $3005.04 | $1520.54 | $250.42 |  |  |  |  |  | 49.957% | 49.957% | 49.957% | 3/XX/2026 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | XXXX% | $7500.00 | 1.1 | DU |  | ApproveEligible | N/A | No | XXXX% | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $436556.71 | 29.590% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 13.4 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80245673 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10045.76 | $15657.49 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | Yes | Employed | Non-Employment Income | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $10894.96 | 1 | $21394.44 | $2604.00 | $1782.87 | $217.00 |  |  |  |  |  | 49.975% | 49.975% | 49.975% | 12/XX/2025 | 791 | 791 | 798 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10045.76 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX% | 2 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $17391.60 |  | No | 35 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 0.34 |  | No | No |  |  |  | $6900.35 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84764727 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14621.43 | $15664.15 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12170.64 | 1 | $7449.60 | $1854.96 | $620.80 | $154.58 |  |  |  |  |  | 49.823% | 49.823% | 49.823% | 2/XX/2026 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14621.43 |  | XXXX% | $0.00 | 3.5 | DU |  | ApproveIneligible | No | No | XXXX% | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $329930.71 | 27.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1.61 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88584197 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1490.00 | $2041.77 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7333.99 | 1 | $2517.96 | $4104.00 | $209.83 | $342.00 |  |  |  |  |  | 41.442% | 41.442% | 41.442% | 2/XX/2026 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024 | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1490.00 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $74094.03 | 29.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  |  | 7.52 |  | No | No |  |  |  | $5986.18 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88762020 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21804.60 | $16639.33 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14879.14 | 1 | $26219.76 | $3019.56 | $2184.98 | $251.63 |  |  |  |  |  | 49.214% | 49.214% | 49.214% | 3/XX/2026 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2023<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2021 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21804.60 |  | XXXX% | $3700.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $709066.24 | 32.600% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.53 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87934936 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1940.00 | $7533.60 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14059.50 | 1 | $15804.00 | $4283.64 | $1317.00 | $356.97 |  |  |  |  |  | 44.685% | 44.685% | 44.685% | 3/XX/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1940.00 |  | XXXX% | $250000.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX% | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $103942.09 | 7.930% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.06 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89186959 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3847.20 | $11028.94 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25535.53 | 1 | $4513.68 | $10113.00 | $376.14 | $842.75 |  |  |  |  |  | 43.735% | 43.735% | 43.735% | 3/XX/2026 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; Transcripts (1040) - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3847.20 |  | XXXX% | $13834.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXXX% | 1 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $565440.82 | 36.480% | No | 15 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27 |  | Yes | No |  |  |  | $0.00 | $22426.72 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81803188 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1618.80 | $3568.98 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8262.80 | 1 | $4361.64 | $1651.08 | $363.47 | $137.59 |  |  |  |  |  | 25.737% | 25.737% | 25.737% | 2/XX/2026 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1618.80 |  | XXXX% | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | XXXX% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $70092.19 | 26.950% | No | 13 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.32 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80972478 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16210.00 | $24751.20 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $62756.59 | 1 | $7176.24 | $8372.88 | $598.02 | $697.74 |  |  |  |  |  | 17.339% | 17.339% | 17.339% | 2/XX/2026 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16210.00 |  | XXXX% | $0.00 | 1.6 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $684625.15 | 35.100% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.87 |  | No | No |  |  |  | $0.00 | $75920.76 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81287875 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6725.00 | $16363.43 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $50341.15 | 1 | $6686.04 | $5298.00 | $557.17 | $441.50 |  |  |  |  |  | 37.456% | 37.456% | 37.456% | 3/XX/2026 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6725.00 |  | XXXX% | $8500.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | XXXX% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $925410.98 | 50.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 51.03 |  | No | No |  |  |  | $0.00 | $20488.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87924947 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25229.65 | $41039.44 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16842.08 | 1 | $21875.04 | $2552.04 | $1822.92 | $212.67 |  |  |  |  |  | 49.474% | 49.474% | 49.474% | 2/XX/2026 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25229.65 |  | XXXX% | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | XXXX% | 1 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $866427.82 | 49.510% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.29 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82709555 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7213.50 | $9888.23 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8299.32 | 1 | $14170.32 | $1213.56 | $1180.86 | $101.13 |  |  |  |  |  | 46.328% | 46.328% | 46.328% | 2/XX/2026 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7213.50 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXXX% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $495269.13 | 61.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.54 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81757591 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3468.00 | $14060.81 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $127435.31 | 1 | $44567.04 | $6664.80 | $3713.92 | $555.40 |  |  |  |  |  | 19.738% | 19.738% | 19.738% | 2/XX/2026 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3468.00 |  | XXXX% | $0.00 | 2.4 | DU |  | ApproveIneligible | No | No | XXXX% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $3528912.22 | 95.370% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 118.91 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88175718 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10930.94 | $17106.24 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25629.31 | 1 | $15288.24 | $2802.00 | $1274.02 | $233.50 |  |  |  |  |  | 33.819% | 33.819% | 33.819% | 3/XX/2026 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10930.94 |  | XXXX% | $0.00 | 1.7 | DU |  | ApproveEligible | N/A | No | XXXX% | 1 | 1 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $542051.39 | 41.720% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.44 |  | No | No |  |  |  | $0.00 | $15454.38 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81958834 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5015.43 | $9047.86 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $58740.29 | 1 | $17208.72 | $3306.12 | $1434.06 | $275.51 |  |  |  |  |  | 15.298% | 15.298% | 15.298% | 3/XX/2026 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5015.43 |  | XXXX% | $310000.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | XXXX% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $176987.62 | 11.790% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.79 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88127376 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1640.00 | $3052.91 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8333.17 | 1 | $9831.48 | $5914.32 | $819.29 | $492.86 |  |  |  |  |  | 46.327% | 46.327% | 46.327% | 3/XX/2026 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2026<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2026<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1640.00 |  | XXXX% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX% | 2 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $1222147.47 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 219.9 |  | Yes | No |  |  |  | $6781.94 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86659624 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15000.00 | $5826.08 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23031.27 | 1 | $25641.36 | $2780.04 | $2136.78 | $231.67 |  |  |  |  |  | 45.563% | 45.563% | 45.563% | 3/XX/2026 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15000.00 |  | XXXX% | $244000.00 | 2.4 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $3905720.15 | 100.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 194.73 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84236115 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4195.00 | $7630.00 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $47534.15 | 1 | $17579.04 | $3332.04 | $1464.92 | $277.67 |  |  |  |  |  | 22.408% | 22.408% | 22.408% | 3/XX/2026 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4195.00 |  | XXXX% | $0.00 | 2.4 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX% | 2 | 0 | 0 | 0 | 7 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $801587.64 |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 85.94 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81538087 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1374.00 | $8587.44 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9564.36 | 1 | $9170.64 | $1550.16 | $764.22 | $129.18 |  |  |  |  |  | 44.966% | 44.966% | 44.966% | 3/XX/2026 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1374.00 |  | XXXX% | $0.00 | 2.1 | DU |  | ApproveEligible | Yes | No | XXXX% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $69834.24 |  | No | 26 | 26 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.38 |  |  | No |  |  |  | $0.00 | $7973.75 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89264153 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8610.00 | $15936.76 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11666.26 | 1 | $7519.32 | $6233.04 | $626.61 | $519.42 |  |  |  |  |  | 45.508% | 45.508% | 45.508% | 3/XX/2026 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8610.00 |  | XXXX% | $0.00 | 1.7 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $1266130.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple |  | Individually and as Trustee | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 191.34 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84175942 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4493.40 | $14546.37 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $13915.67 | 1 | $17920.56 | $5631.96 | $1493.38 | $469.33 |  |  |  |  |  | 49.546% | 49.546% | 49.546% | 3/XX/2026 | 752 | 767 | 773 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4493.40 |  | XXXX% | $3500.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $573718.94 | 32.320% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 17.27 |  |  | No |  |  |  | $5858.42 | $5615.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89199584 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8402.00 | $13186.40 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10565.08 | 1 | $2941.80 | $1427.16 | $245.15 | $118.93 |  |  |  |  |  | 45.995% | 45.995% | 45.995% | 2/XX/2026 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8402.00 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $125639.54 | 25.120% | No | 25 | 14 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.57 |  | No | No |  |  |  | $0.00 | $6066.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84354669 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20000.00 | $11951.91 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18944.50 | 1 | $12302.40 | $10750.08 | $1025.20 | $895.84 |  |  |  |  |  | 47.091% | 47.091% | 47.091% | 4/XX/2026 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20000.00 |  | XXXX% | $3600.00 | 1.2 | LP / LPA |  | Accept/Ineligible | N/A | No | XXXX% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | 5/XX/2056 | $2150842.50 | 84.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.76 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89174389 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3010.40 | $6423.03 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | United States of America | United States of America |  |  | $16717.11 | 1 | $24012.36 | $2904.00 | $2001.03 | $242.00 |  |  |  |  |  | 39.029% | 39.029% | 39.029% | 3/XX/2026 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3010.40 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $431967.03 | 30.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | 15.72 |  | Yes | No |  |  |  | $0.00 | $8000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87391508 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4999.68 |  |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25736.54 | 1 | $25785.48 | $2709.48 | $2148.79 | $225.79 |  |  |  |  |  | 32.913% | 32.913% | 32.913% | 3/XX/2026 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4999.68 |  | XXXX% | $0.00 | 2.3 | DU |  | ApproveEligible | Yes | No | XXXX% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $57216.59 |  | No | 27 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 5.1 |  | No | No |  |  |  | $0.00 | $16671.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88385853 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1740.00 | $11827.62 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $76784.63 | 1 | $46250.04 | $7953.12 | $3854.17 | $662.76 |  |  |  |  |  | 26.410% | 26.410% | 26.410% | 4/XX/2026 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; Transcripts (1040) - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1740.00 |  | XXXX% | $20000.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXXX% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $5132775.43 | 100.000% | No | 24 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 189.88 |  | Yes | No |  |  |  | $16794.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88461715 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $12522.86 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $36729.28 | 1 | $43862.04 | $5475.36 | $3655.17 | $456.28 |  |  |  |  |  | 49.499% | 49.499% | 49.499% | 4/XX/2026 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1640.00 |  | XXXX% | $0.00 | 2.9 | DU |  | ApproveIneligible | No | No | XXXX% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $2316073.81 | 63.890% | No | 27 |  |  |  | Yes | Preliminary | Fee Simple |  | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 69.76 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83082167 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1395.00 | $1379.21 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28831.75 | 1 | $14807.52 | $5241.96 | $1233.96 | $436.83 |  |  |  |  |  | 20.291% | 20.291% | 20.291% | 3/XX/2026 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1395.00 |  | XXXX% | $20000.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $440215.38 | 37.780% | No | 7 | 26 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.18 |  |  | No |  |  |  | $0.00 | $19815.47 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84375137 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10000.39 | $10000.39 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34537.89 | 1 | $3768.72 | $2190.96 | $314.06 | $182.58 |  |  |  |  |  | 24.939% | 24.939% | 24.939% | 4/XX/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10000.39 |  | XXXX% | $0.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | XXXX% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $403605.45 | 31.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.92 |  | No | No |  |  |  | $0.00 | $18564.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80421348 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1690.00 | $15496.18 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12106.37 | 1 | $13544.40 | $1950.60 | $1128.70 | $162.55 |  |  |  |  |  | 46.619% | 46.619% | 46.619% | 3/XX/2026 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1690.00 |  | XXXX% | $76000.00 | 2.1 | DU |  | ApproveEligible | Yes | No | XXXX% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $212500.56 | 18.310% | No |  | 26 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.36 |  | Yes | No |  |  |  | $0.00 | $7080.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84376531 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1670.00 | $5791.47 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $46742.82 | 1 | $13626.36 | $2348.64 | $1135.53 | $195.72 |  |  |  |  |  | 24.710% | 24.710% | 24.710% | 3/XX/2026 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1670.00 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXXX% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $795843.58 | 39.100% | No |  |  |  |  | Yes | Commitment | Fee Simple |  | Individually and as Trustee | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.08 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82174256 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11500.00 | $11500.00 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21000.76 | 1 | $26260.08 | $4040.04 | $2188.34 | $336.67 |  |  |  |  |  | 44.644% | 44.644% | 44.644% | 4/XX/2026 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2025<br> [Borrower]; Transcripts (1040) - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; Transcripts (1040) - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11500.00 |  | XXXX% | $7500.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX% | 2 | 2 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $637469.75 | 26.840% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.11 |  | Yes | No |  |  |  | $3153.92 | $4333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83284344 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8825.00 | $11110.39 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10369.81 | 1 | $2821.32 | $713.64 | $235.11 | $59.47 |  |  |  |  |  | 24.338% | 24.338% | 24.338% | 4/XX/2026 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8825.00 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $274157.79 | 54.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.49 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89890300 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10449.00 | $13522.93 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8824.62 | 1 | $1855.32 | $1190.04 | $154.61 | $99.17 |  |  |  |  |  | 43.314% | 43.314% | 43.314% | 3/XX/2026 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Capital Gains]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Capital Gains]; Other - 2023<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10449.00 |  | XXXX% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | Yes | No | XXXX% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | 5/XX/2056 | $2006818.58 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.05 |  | Yes | No |  |  |  | $15567.51 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85033557 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1990.00 | $6444.60 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19659.10 | 1 | $9619.68 | $740.04 | $801.64 | $61.67 |  |  |  |  |  | 26.288% | 26.288% | 26.288% | 3/XX/2026 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1990.00 |  | XXXX% | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | No | No | XXXX% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $38721.04 |  | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.62 |  |  | No |  |  |  | $0.00 | $12041.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85229011 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3986.00 | $8367.90 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5469.89 | 1 | $917.76 | $924.96 | $76.48 | $77.08 |  |  |  |  |  | 47.508% | 47.508% | 47.508% | 2/XX/2026 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2026<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3986.00 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveEligible | No | No | XXXX% | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $778483.77 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 350.6 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83172932 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14900.00 | $30271.60 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14073.86 | 1 | $19053.96 | $2159.16 | $1587.83 | $179.93 |  |  |  |  |  | 49.969% | 49.969% | 49.969% | 3/XX/2026 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14900.00 |  | XXXX% | $0.00 | 4.5 | LP / LPA |  | Accept/Ineligible | No | No | XXXX% | 0 | 2 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $91899.04 |  | No |  | 26 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.07 |  |  | No |  |  |  | $13497.53 | $2831.91 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83058134 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $39999.60 | $48387.00 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15536.17 | 1 | $10714.92 | $2760.24 | $892.91 | $230.02 |  |  |  |  |  | 44.181% | 44.181% | 44.181% | 3/XX/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2025 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $39999.60 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $583870.93 | 28.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.99 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85549394 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1595.00 | $2750.00 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $40306.56 | 1 | $13273.80 | $4813.68 | $1106.15 | $401.14 |  |  |  |  |  | 20.713% | 20.713% | 20.713% | 2/XX/2026 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1595.00 |  | XXXX% | $0.00 | 3.5 | DU |  | ApproveEligible | Yes | No | XXXX% | 3 | 3 | 0 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $665641.49 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 102.01 |  | Yes | No |  |  |  | $20181.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86778642 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1689.00 | $19105.81 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $11598.94 | 1 | $22725.00 | $1613.04 | $1893.75 | $134.42 |  |  |  |  |  | 49.983% | 49.983% | 49.983% | 3/XX/2026 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1689.00 |  | XXXX% | $135000.00 | 2.7 | LP / LPA |  | Accept/Ineligible | Yes | No | XXXX% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $344203.54 | 18.930% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 3.63 |  |  | No |  |  |  | $0.00 | $10400.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 83964774 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1790.00 | $4061.80 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20561.43 | 1 | $5263.44 | $157.56 | $438.62 | $13.13 |  |  |  |  |  | 39.451% | 39.451% | 39.451% | 2/XX/2026 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1790.00 |  | XXXX% | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | XXXX% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $92786.30 |  | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.73 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 86612327 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5190.00 | $10954.82 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23460.51 | 1 | $1754.16 | $2184.00 | $146.18 | $182.00 |  |  |  |  |  | 24.926% | 24.926% | 24.926% | 2/XX/2026 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5190.00 |  | XXXX% | $0.00 | 4.6 | DU |  | ApproveEligible | No | No | XXXX% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $281928.36 | 28.190% | No |  | 11 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.81 |  | No | No |  |  |  | $0.00 | $13749.99 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88503596 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1950.00 | $5757.45 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24471.99 | 1 | $14277.72 | $4162.32 | $1189.81 | $346.86 |  |  |  |  |  | 37.836% | 37.836% | 37.836% | 4/XX/2026 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1950.00 |  | XXXX% | $0.00 | 2.0 | DU |  | ApproveIneligible | No | No | XXXX% | 1 | 1 | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $449510.11 | 37.610% | No | 7 | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II |  | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.38 |  | No | No |  |  |  | $0.00 | $10200.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87702445 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2090.00 | $12453.95 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31155.49 | 1 | $7810.20 | $7635.00 | $650.85 | $636.25 |  |  |  |  |  | 21.434% | 21.434% | 21.434% | 2/XX/2026 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2090.00 |  | XXXX% | $0.00 | 2.3 | DU |  | ApproveEligible | No | No | XXXX% | 0 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $373468.32 | 35.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.18 |  | No | No |  |  |  | $6294.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88011790 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $29780.00 | $33482.65 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $49609.13 | 1 | $2831.28 | $3033.72 | $235.94 | $252.81 |  |  |  |  |  | 19.814% | 19.814% | 19.814% | 1/XX/2026 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $29780.00 |  | XXXX% | $42774.60 | 2.3 | DU |  | ApproveIneligible | N/A | No | XXXX% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $437447.00 | 31.810% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.79 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82799447 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3968.00 | $7038.40 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42381.72 | 1 | $8436.24 | $10124.64 | $703.02 | $843.72 |  |  |  |  |  | 34.438% | 34.438% | 34.438% | 12/XX/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3968.00 |  | XXXX% | $26670.00 |  | LP / LPA |  | Accept/Eligible | No | No | XXXX% | 0 |  | 1 | 0 | 1 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $299312.84 | 33.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.69 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88671898 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6256.00 | $6908.79 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11401.59 | 1 | $5294.04 | $1128.36 | $441.17 | $94.03 |  |  |  |  |  | 31.999% | 31.999% | 31.999% | 12/XX/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6256.00 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $57403.98 |  | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  | No | 23.72 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80162899 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $28140.00 | $35895.67 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15380.23 | 1 | $27500.04 | $3603.48 | $2291.67 | $300.29 |  |  |  |  |  | 47.141% | 47.141% | 47.141% | 1/XX/2026 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $28140.00 |  | XXXX% | $0.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | XXXX% | 4 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $464548.51 | 21.110% | No | 1 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.75 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88791012 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1490.00 | $3858.28 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15577.23 | 3 | $6776.28 | $5853.96 | $564.69 | $487.83 |  |  |  |  |  | 45.427% | 45.427% | 45.427% | 1/XX/2026 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1490.00 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | XXXX% | 0 |  | 1 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $140691.85 |  | No | 24 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.71 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82719075 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24982.60 | $26570.46 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14600.07 | 1 | $6658.44 | $5633.04 | $554.87 | $469.42 |  |  |  |  |  | 46.383% | 46.383% | 46.383% | 1/XX/2026 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24982.60 |  | XXXX% | $10000.00 | 3.7 | DU |  | ApproveIneligible | N/A | No | XXXX% | 2 | 3 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $426365.70 | 25.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.2 |  | Yes | No |  |  |  | $0.00 | $6500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80503135 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4020.00 | $4977.35 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29459.93 | 1 | $963.12 | $1206.60 | $80.26 | $100.55 |  |  |  |  |  | 12.653% | 12.653% | 12.653% | 2/XX/2026 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4020.00 |  | XXXX% | $0.00 | 2.7 | LP / LPA |  | Accept/Eligible | No | No | XXXX% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $236048.51 | 98.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 122.23 |  | No | No |  |  |  | $0.00 | $16402.89 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81385526 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1590.00 | $2862.73 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27464.42 | 1 | $6200.16 | $2794.56 | $516.68 | $232.88 |  |  |  |  |  | 26.194% | 26.194% | 26.194% | 2/XX/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1590.00 |  | XXXX% | $100.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX% | 2 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $154015.26 | 25.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.8 |  | No | No |  |  |  | $0.00 | $23540.84 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85963735 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4414.90 | $5919.52 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5358.28 | 1 | $5110.56 | $1059.12 | $425.88 | $88.26 |  |  |  |  |  | 48.765% | 48.765% | 48.765% | 3/XX/2026 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4414.90 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveEligible | No | No | XXXX% | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $57042.33 | 28.520% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.63 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 84732278 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5167.50 | $6683.00 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4075.66 | 1 | $4922.64 | $1288.68 | $410.22 | $107.39 |  |  |  |  |  | 40.976% | 40.976% | 40.976% | 2/XX/2026 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Other - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2026<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5167.50 |  | XXXX% | $0.00 | 2.2 | LP / LPA |  | Accept/Eligible | N/A | No | XXXX% | 1 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $64058.31 | 26.410% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.05 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82742105 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6457.27 | $14657.39 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | Yes | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13564.09 | 3 | $13443.00 | $9797.04 | $1120.25 | $816.42 |  |  |  |  |  | 48.240% | 48.240% | 48.240% | 3/XX/2026 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXXX | $6457.27 |  | XXXX% | $0.00 |  | DU |  | ApproveEligible | No | No | XXXX% | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 4/XX/2056 | $93956.19 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.01 |  | No | No |  |  |  | $0.00 | $12500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 81801540 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1790.00 | $13652.64 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9392.22 | 1 | $21287.64 | $4020.96 | $1773.97 | $335.08 |  |  |  |  |  | 49.998% | 49.998% | 49.998% | 3/XX/2026 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1790.00 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXXX% | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $501373.10 | 35.810% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.69 |  | No | No |  |  |  | $0.00 | $9583.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89038289 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1890.00 | $6355.94 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16080.66 | 1 | $4377.12 | $7187.88 | $364.76 | $598.99 |  |  |  |  |  | 45.509% | 45.509% | 45.509% | 3/XX/2026 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2026<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1890.00 |  | XXXX% | $21850.00 | 2.9 | DU |  | ApproveIneligible | No | No | XXXX% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $717654.50 | 55.240% | No | 11 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 56.27 |  | No | No |  |  |  | $0.00 | $10416.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88157591 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2450.00 | $9902.34 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21200.25 | 1 | $4565.76 | $6861.48 | $380.48 | $571.79 |  |  |  |  |  | 37.790% | 37.790% | 37.790% | 3/XX/2026 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2450.00 |  | XXXX% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $189604.51 | 31.600% | No | 26 | 5 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 |  |  |  |  |  |  |  |  |  |  |  |  | 11.8 |  | No | No |  |  |  | $0.00 | $16851.86 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85268114 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2215.75 | $6039.80 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6072.50 | 1 | $6034.44 | $1556.04 | $502.87 | $129.67 |  |  |  |  |  | 41.136% | 41.136% | 41.136% | 2/XX/2026 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2215.75 |  | XXXX% | $125923.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXXX% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | 5/XX/2056 | $1369615.88 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 136.47 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88893136 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $2445.55 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6996.73 | 1 | $2931.60 | $2800.08 | $244.30 | $233.34 |  |  |  |  |  | 43.131% | 43.131% | 43.131% | 2/XX/2026 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; D1C Income Verification Report - 2026<br> [Borrower - \| Primary Income - Social Security]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | XXXX% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | N/A | No | XXXX% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $13002.45 |  | No | 2 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 2.84 |  | No | No |  |  |  | $0.00 | $10386.16 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88202543 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3759.00 | $5482.16 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15812.66 | 1 | $4513.92 | $1296.36 | $376.16 | $108.03 |  |  |  |  |  | 27.368% | 27.368% | 27.368% | 3/XX/2026 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3759.00 |  | XXXX% | $5000.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX% | 0 | 1 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $224772.34 | 84.180% | No | 8 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 75.94 |  | No | No |  |  |  | $0.00 | $10937.53 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 87669778 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1161.40 | $7105.83 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34670.68 | 1 | $14853.48 | $3086.40 | $1237.79 | $257.20 |  |  |  |  |  | 32.595% | 32.595% | 32.595% | 3/XX/2026 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1161.40 |  | XXXX% | $17150.06 | 3.8 | DU |  | ApproveIneligible | N/A | No | XXXX% | 2 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $894667.60 | 34.410% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.82 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82037634 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1725.93 | $5843.78 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20808.71 | 1 | $2582.52 | $1101.72 | $215.21 | $91.81 |  |  |  |  |  | 26.386% | 26.386% | 26.386% | 1/XX/2026 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1725.93 |  | XXXX% | $0.00 | 3.0 | DU |  | ApproveIneligible | N/A | No | XXXX% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $122832.53 |  | No | 25 | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.35 |  |  | No |  |  |  | $0.00 | $10417.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 80840509 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2598.13 | $6081.69 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11994.99 | 1 | $6835.56 | $6188.04 | $569.63 | $515.67 |  |  |  |  |  | 47.347% | 47.347% | 47.347% | 3/XX/2026 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2598.13 |  | XXXX% | $0.00 | 4.1 | DU |  | ApproveIneligible | N/A | No | XXXX% | 2 | 0 | 2 | 0 | 2 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $362523.44 |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 49.55 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 89016019 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6958.00 | $13409.62 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $50484.19 | 1 | $11874.96 | $1794.96 | $989.58 | $149.58 |  |  |  |  |  | 22.688% | 22.688% | 22.688% | 3/XX/2026 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6958.00 |  | XXXX% | $1000.00 | 1.2 | DU |  | ApproveEligible | N/A | No | XXXX% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $423878.60 | 44.610% | No |  |  |  |  | Yes | Preliminary | Fee Simple |  | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.93 |  | No | No |  |  |  | $0.00 | $52966.30 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 88775990 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7474.41 |  |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16924.57 | 1 | $15109.20 | $1359.96 | $1259.10 | $113.33 |  |  |  |  |  | 42.547% | 42.547% | 42.547% | 2/XX/2026 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXXX | $7474.41 |  | XXXX% | $0.00 | 2.8 | DU |  | ApproveIneligible | N/A | No | XXXX% | 1 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $1112476.89 | 59.270% | No | 21 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.18 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 85970581 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5257.76 | $7358.19 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9085.75 | 1 | $5556.48 | $1987.56 | $463.04 | $165.63 |  |  |  |  |  | 42.715% | 42.715% | 42.715% | 2/XX/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5257.76 |  | XXXX% | $80000.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXXX% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $113250.07 | 26.330% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.16 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 82746720 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1895.00 | $2998.73 |  | XX.XX% | $XXXX | $XXXX | XX.XX% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7486.26 | 1 | $6313.08 | $2661.00 | $526.09 | $221.75 |  |  |  |  |  | 49.672% | 49.672% | 49.672% | 4/XX/2026 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1895.00 |  | XXXX% | $0.00 |  | LP / LPA |  | Accept/Ineligible | No | No | XXXX% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 5/XX/2056 | $556177.99 | 43.610% | No | 21 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.03 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |

---

## Exhibit 99.1

![](logo_situs.jpg)

#### Data Compare Summary (Total)

#### Run Date - 5/27/2026 10:36:01 AM

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Street | 0 | 169 | 0.00% | 169 |
| City | 0 | 169 | 0.00% | 169 |
| State | 0 | 169 | 0.00% | 169 |
| Zip | 0 | 169 | 0.00% | 169 |
| Borrower First Name | 0 | 169 | 0.00% | 169 |
| Borrower Last Name | 0 | 169 | 0.00% | 169 |
| Borrower SSN | 0 | 169 | 0.00% | 169 |
| Original Loan Amount | 0 | 169 | 0.00% | 169 |
| Original Interest Rate | 0 | 169 | 0.00% | 169 |
| Representative FICO | 0 | 169 | 0.00% | 169 |
| Property Type | 0 | 169 | 0.00% | 169 |
| Occupancy | 0 | 169 | 0.00% | 169 |
| Purpose | 0 | 169 | 0.00% | 169 |
| Balloon Flag | 0 | 169 | 0.00% | 169 |
| Original CLTV | 0 | 169 | 0.00% | 169 |
| Original LTV | 0 | 169 | 0.00% | 169 |
| Lender | 0 | 169 | 0.00% | 169 |
| Product Description | 0 | 169 | 0.00% | 169 |
| Originator Loan Designation | 0 | 169 | 0.00% | 169 |
| Investor: Qualifying Total Debt Ratio | 0 | 169 | 0.00% | 169 |
| PITIA Reserves Months | 0 | 88 | 0.00% | 169 |
| Refi Purpose | 0 | 9 | 0.00% | 169 |
| **Total** | **0** | **3477** | **0.00%** | **169** |

---

## Exhibit 99.2

![](logo_clayton.jpg)

GSMBS 2026-PJ8 <br>

![](graphic_claytoncover.jpg)

### May 27, 2026

### <br> Due Diligence Narrative Report

### <br>

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![](logo_clayton.jpg)

 **TABLE OF CONTENTS**

<br> ---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp; *Sampling* | *3* |
| &nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp; *Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review | 4 |
| &nbsp;&nbsp;&nbsp; *Data Integrity* | *6* |
| &nbsp;&nbsp;&nbsp; *Data Capture* | *7* |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **7** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **9** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 1 May 27, 2026

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CLAYTON CONTACT INFORMATION

#### Client Service Management:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ![](graphic_bullet.jpg)  | **Ralph Fox**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Client Services Senior Director |

---

Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u>

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ![](graphic_bullet.jpg)  | **Joe Ozment**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Vice President – Client Services & Securitization<br>|

---

Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u>

OVERVIEW

On behalf of Goldman Sachs Mortgage Company, Clayton conducted an independent third-party pre-securitization due diligence review of 19 residential loans. The results for the loans reviewed were selected for the GSMBS 2026-PJ8 transaction.

The loans referenced in this narrative report were reviewed in March 2026 through April 2026 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.

ORIGINATORS

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Retail | 19 | 100.00% |
| **Total** | **19** | **100.00%** |

---

CLAYTON'S THIRD PARTY REVIEW ("TPR") SCOPE OF WORK

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

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GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 2 May 27, 2026

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![](logo_clayton.jpg)

SAMPLING

For all originators in this transaction, 100.00% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| *Review Type* | *Loan Count*<br> *Reviewed by Clayton* | *Scope Applied* |
| Full Review | 19 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| Total Loan Population | 19 |  |

---

SPONSOR ACQUISITION CRITERIA

Clayton was supplied with the guidelines in advance of our review. The subject loans were reviewed to the Originators guidelines.

LOAN GRADING

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

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.

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 3 May 27, 2026

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![](logo_clayton.jpg)

CREDIT REVIEW<br>

Clayton's Credit scope of review conducted on this transaction included the following elements (for more detail, please refer to [Appendix A](#z_Appendix_A:_Credit) and to the guidelines cited above):

<br> ◾ Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor Acquisition Criteria cited above;

<br> ◾ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the Sponsor Acquisition Criteria;

<br> ◾ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor Acquisition Criteria;

<br> ◾ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

<br> ◾ Evaluated evidence of borrower's willingness and ability to repay the obligation;

---

| | |
|:---|:---|
| ◾ | Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was already in the loan file for Nationwide Multistate Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly. |

---

PROPERTY VALUATION REVIEW<br>

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

<br> ◾ Original Appraisal Assessment

<br> - 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 [Appendix B](#z_Appendix_B:_Origination) and to the guidelines cited above.<br>

<br> ◾ Value Supported Analysis

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product. A Desk Review, AVM or a 2<sup>nd</sup> full origination appraisal was used to reconcile the original appraisal within a -10% variance.

Clayton had independent access to all products, as listed in Clayton valuations report.

REGULATORY COMPLIANCE REVIEW<br>

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to [Appendix C](#z_Appendix_C:_Regulatory) and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

<u>Compliance Review (full scope)</u>

The scope of the compliance review performed is summarized below:

<br> ◾ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

<br> ◾ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 4 May 27, 2026

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<br> ◾ Truth-in-lending/regulation Z (TILA) testing included the following:

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

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

<br> - TIL APR and Finance charge tolerances;

<br> - Timeliness of ARM Disclosures (if applicable);

<br> - Section 32 APR and Points and Fees Thresholds and prohibited practices;

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

<br> - 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;<br>

---

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

<br> - 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.<br>

<br> ◾ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

<br> - GFE initial disclosure timing and content;

<br> - Confirmed the file contains the final HUD1 Settlement Statement;

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

<br> - Homeownership Counseling Notice;

<br> - 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 Compliance Review Scope may be formally amended by the SFA RMBS 3.0 Due Diligence, Data and Disclosure Working <br>

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 5 May 27, 2026

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![](logo_clayton.jpg)

Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

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

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

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

State and Federal High Cost and Higher-Priced:

<br> • Cook County High Cost Ordinance

<br> • 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

<br> • Virginia Lender and Broker Act after 6/1/2008

<br> • 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)

<br> • Sufficiency of coverage

<br> • Escrow of insurance payments

DATA INTEGRITY

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

<br> ◾ Tape data received from lender/client is stored in eCLAS;

<br> ◾ Loan Reviewer collects validated loan data in eCLAS;

<br> ◾ Each received data point is compared to its counterpart collected data point;

<br> ◾ Discrepancies found during comparison are stored

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 6 May 27, 2026

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DATA CAPTURE

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4. data disclosure requirements. Both of these file formats are 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 Goldman Sachs with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **-Field Name** | **# of Loans** | **% Accuracy** |
| Appraised Value | 8 | 57.89% |
| Combined Loan to Value | 8 | 57.89% |
| DTI (Back) | 6 | 68.42% |
| Loan Purpose | 1 | 94.74% |
| Loan to Value | 8 | 57.89% |
| Maturity Date | 13 | 31.58% |
| Note Date | 3 | 84.21% |
| Note Rate | 1 | 94.74% |
| Original Principal Balance | 9 | 52.63% |
| Property Type | 4 | 78.95% |
| Representative Score | 2 | 89.47% |

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CLAYTON DUE DILIGENCE RESULTS

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

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 7 May 27, 2026

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#### Initial and Final Overall Loan Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 12 |  | 1<br>| 5 | **18** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **12** | **1** | **1** | **5** | **19** |

---

\*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 | 14 |  | 2 | 3 | **19** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **14** | **0** | **2** | **3** | **19** |

---

#### 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 | 18 |  |  | 1 | **19** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **18** | **0** | **8** | **1** | **19** |

---

#### 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 | 14 |  |  | 4 | **18** |
| **Final** | B |  | 1 |  |  | **1** |
| **Final** | C |  |  |  |  | **0**<br>|
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **14** | **1** | **0** | **4** | **19** |

---

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 8 May 27, 2026

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CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Conditions Report

<br> 3. Loan Level Tape Compare Upload

<br> 4. Valuations Summary Report

<br> 5. Attestation Forms

<br> 6. ASF Upload

<br> 7. Rating Agency ATR/QM Data Fields

<br> 8. Waived Conditions Summary

<br> 9. Non-ATR QM Upload

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

<br> o DTI

<br> o LTV/TLTV/HLTV

<br> o Credit score

<br> o Income and employment

<br> o Assets and reserves

<br> o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

<br> o Borrower eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Citizenship status

-&nbsp;&nbsp;&nbsp;&nbsp;Non- occupant co-borrower

<br> o Transaction eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Maximum loan amount

-&nbsp;&nbsp;&nbsp;&nbsp;Loan purpose

-&nbsp;&nbsp;&nbsp;&nbsp;Occupancy

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

<br> o Uniform Residential Loan Application reviewed to determine:

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

<br> - Final loan application was in the loan file and was complete

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

<br> o Employment analyzed and verified through use of various documents, including:

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 9 May 27, 2026

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<br> - Income documentation

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

<br> - CPA letter

<br> - Business licenses

<br> - Tax transcripts (IRS Form 4506-T)

<br> - Other documentation in loan file

<br> o Income review included:

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

<br> - Documents did not appear to have been altered or inconsistent

<br> - IRS Form 4506-T

<br> ◾ Signed by all borrowers and processed by the originator

<br> ◾ Compared IRS tax transcripts to income documentation and noted any inconsistencies

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

<br> ◾ Tax returns

<br> ◾ Financial statements

<br> ◾ Paystubs

<br> ◾ W-2s

<br> ◾ 1099

<br> ◾ IRS documents

<br> ◾ Bank statements

<br> ◾ Lease agreements

<br> ◾ Award letters

<br> ◾ Other documentation in loan file

<br> o Asset review included:

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

<br> ◾ Verification of deposits (VOD)

<br> ◾ Depository account statements

<br> ◾ Stock or security account statements

<br> ◾ Gift funds

<br> ◾ Settlements statements

<br> ◾ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

<br> ◾ Other documentation in loan file

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

<br> o Credit Report review included:

<br> - Complete copy of report was in loan file

<br> - Report was dated within required timeframe

<br> - All borrowers were included in the report

<br> - Checked any fraud alerts against related loan file documentation

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

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

<br> - Captured and utilized appropriate credit score for guideline review

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 10 May 27, 2026

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<br> o Title policy review included:

<br> - Title interest – determined if

<br> ◾ Fee simple

<br> ◾ Leasehold estate

<br> - Appropriate vestee(s) were listed on title policy

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

<br> - Applicable title endorsements were present

<br> - 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

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

<br> - Captured monthly tax payments in debt ratio calculation

<br> o HUD1 (Settlement Statement) review included:

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

<br> - Seller contributions did not exceed maximum allowed

<br> - Subject property, seller and borrower aligned with other loan documentation

<br> - Disbursements and pay-offs included in debt ratio calculations

<br> - Loan purpose confirmed

<br> o Hazard/Flood insurance review included:

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

<br> - Confirmed that any required insurance was for the:

<br> ◾ Correct borrower

<br> ◾ Correct property

<br> ◾ Correct lender

<br> ◾ Correct loan number

<br> ◾ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period<br>

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

<br> - 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<br>

&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;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:

<br> o Borrower identity

<br> - Social Security inconsistencies

<br> - Borrower name variations

<br> o Occupancy

<br> - Borrower address history

<br> - Subject property ownership history

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 11 May 27, 2026

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<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT

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

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

<br> o Appraisal report used standard GSE forms, appropriate to the property type:

<br> - 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)

<br> - 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)

<br> - 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

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

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

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

<br> o Appraisal report was reasonably complete and included:

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

<br> - Accurate identification of the subject property

<br> - Accurate identification of the subject loan transaction

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

<br> - All required attachments including:

<br> ◾ Subject front, rear and street photos and valued features

<br> ◾ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

<br> ◾ Photos of all comparable sales and listings

<br> ◾ Location map

<br> ◾ Exterior sketch of property with dimensions

<br> ◾ 1004MC Market Conditions Report

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

<br> - Appraisal date met supplied Sponsor Acquisition Criteria

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

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 12 May 27, 2026

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&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:

<br> o Title XI of FIRREA:

<br> - 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

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

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

<br> o USPAP

<br> - 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;C. Reviewed and graded the appraisal valuation to the following criteria:

<br> o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

<br> - 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.<br>

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

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<br> o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:

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

<br> - Property usage was reviewed for zoning compliance

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

<br> - Neighborhood values were reviewed to determine if declining

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

<br> ◾ Location

---

| | |
|:---|:---|
| ◾ | % built up |

---

<br> ◾ Growth rate

<br> ◾ Demand/supply

<br> ◾ Marketing time

<br> ◾ Predominant occupancy

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

<br> - Style of property was reviewed to determine if unique property

<br> - Any health and safety issues were noted and/or remediated

<br> - Locational and/or environmental concerns adequately addressed if present

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&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:

<br> o 3 to 4 unit owner occupied properties

<br> o 2 to 4 unit second homes

<br> o Unwarrantable or limited review condominiums

<br> o Manufactured or mobile homes

<br> o Condotel units

<br> o Unique properties

<br> o Working farms, ranches or orchards

<br> o Mixed-use properties

<br> o Properties subject to existing oil or gas leases

<br> o Properties located in Hawaii Lava Zones 1 and 2

<br> o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

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

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

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<br> 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

<br> o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property

<br> 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.

<br> o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

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

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

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

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GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 14 May 27, 2026

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

#### Federal Law

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

<br> 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

<br> o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

<br> 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

<br> 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

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

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<br> 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

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

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

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

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| | |
|:---|:---|
| &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) |

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<br> 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

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

<br> o High Cost mortgage thresholds for points and fees (Section 32)

<br> o High Cost Prohibited Acts and Practices upon request (Section 33)

<br> o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

<br> 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)

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| | |
|:---|:---|
| &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 <br>|

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GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 15 May 27, 2026

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<br>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)

<br> o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

<br> ◾ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure ("CD")

<br> ◾ Pre-application Requirement Testing:

<br> • Pre-application forms cannot look similar to the LE

<br> • 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").

<br> ◾ Timing Requirements:

<br> • The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

• 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.

<br> • 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.

<br> ◾ Fee Tolerances:

• Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

<br> • If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

<br> ◾ Payment Schedule Accuracy:

<br> • The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

<br> • Interest-only periods and final balloon payments are accurately completed.

• The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

<br> • When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

<br> ◾ Accuracy of the Loan Calculations

• Amount Financed

<br> • Finance Charge

• Total of Payments

• Total interest percentage

<br> ◾ Technical Requirements

<br> • Compliance with the TRID rounding rules.

<br> • Compliance with specified formatting requirements.

<br> • Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

<br> • Alphabetization of fees.

<br> • Title fees preceded by "Title –."

<br> • Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

<br> ◾ Consistency within and across forms

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<br> • Once a fee is disclosed it must remain substantially the same name across disclosures.

• 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.

• 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.

• Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

<br> ◾ Completion of the LE and CD

<br> • 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.

<br> • For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

<br> • That there is either a signature or a Loan Acceptance statement on the form.

<br> ◾ Waivers

<br> • 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.

<br> ◾ Corrected CD requiring a new waiting period

• 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.

<br> • Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

<br> • Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

<br> ◾ Post-Close CD's

<br> • Corrected CD's provided with a post-close refund.

<br> • Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

<br> • Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

<br> ◾ Related Documentation

<br> • Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

<br> • Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

<br> • Affiliated Business Disclosure (can impact fee tolerances)

<br> ◾ Outside of Clayton's default TRID scope:

<br> • 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.

<br> • Whether the Liability after Foreclosure selection is correct for the property state.

• Accuracy of the Aggregate Adjustment amount.

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 17 May 27, 2026

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![](logo_clayton.jpg)

<br> • Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

<br> • 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;**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

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

#### STATE, COUNTY and MUNICIPAL LAW

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

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** |
| California | Maryland | New York |
| Connecticut | Massachusetts (subprime ARMS to first time homebuyers) | North Carolina |
| Maine | Minnesota | |

---

&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:

---

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

---

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 18 May 27, 2026

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![](logo_clayton.jpg)

---

| | |
|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** |
| Kentucky | Oklahoma |

---

&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:

<br> • Minnesota (Mortgage Originator and Service Licensing Act)

<br> • Puerto Rico (Office Regulation 5722)

<br> • Texas (Texas Finance Code)

<br> • West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

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

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

---

| | |
|:---|:---|
| **Consumer Protection** | **Consumer Protection** |
| Alabama (the "Mini-code") | Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| Idaho (Residential Mortgage Practices Act) | Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |

---

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 19 May 27, 2026

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![](logo_clayton.jpg)

**<br>

---

| | |
|:---|:---|
| Consumer Protection | Consumer Protection |
| Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| Kentucky (HB 552) | Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| Michigan (Consumer Mortgage Protection Act) |  |

---

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

&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.

#### GSE Testing
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.)**

<br> #### <br>

#### Disclaimer
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.

<br>© 2026 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

GSMBS 2026-PJ8 Due Diligence Narrative Report Page \| 20 May 27, 2026

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2026-PJ8** |
| **Start - End Dates:** | **3/26/2026 - 4/29/2026** |
| **Deal Loan Count:** | **19** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *19* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **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** |
| 077A4C11-53E2-4E28-845A-5DB0A598DE4C | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3295 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 362BF8CB-E0CB-41BD-984C-8FB1D0563ACE | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | XXXXXX | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| 4CE13026-9017-4C38-B4F9-C6C76DB80187 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3549.49 | XXXXXX | XXXXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| CE07DCF2-5769-4253-AE54-32E4E6B0BE5D | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6263.44 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 118E4EBA-28B8-466A-AED8-C63739EBDA3D | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1695 | XXXXXX | XXXXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 519A13D0-DFB9-49F1-ADEC-FF6F5BE59453 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | XXXXXX | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 89E4754E-717B-4DF6-A96F-E0C6B92C8D3D | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1695 | XXXXXX | XXXXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| AC909503-269B-4203-8468-1F59DEC8A5E9 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1885 | XXXXXX | XXXXXX | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9411D9A0-E5C1-4992-9E31-49E87B760455 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1790 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 98683822-B364-4E89-91B5-7466B74B929B | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 8239B9F0-58EA-4B38-8B76-7BE43FF88E9F | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | XXXXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| D0CC10FD-8921-4759-BAF0-ACA48D376347 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | XXXXXX | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | XXXXXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| BCE782D7-FD51-41C5-8029-0258EAADE4D0 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | XXXXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| F12BF04C-2E61-418B-9E2B-6E52F484CAC5 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1650 | XXXXXX | XXXXXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2D88F44C-3CA5-4617-9B96-438A57E1FC57 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1317.5 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 27D6795B-32BA-4E83-A041-932D01856B1B | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 16059.5 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| C9689293-617F-4ECC-B7BB-192A49B8BBA0 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1590 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 3DC78048-7275-4779-A737-672A2C11378F | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2882 | XXXXXX | XXXXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

<br>©2026 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.<br>

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2026-PJ8** |
| **Start - End Dates:** | **3/26/2026 - 4/29/2026** |
| **Deal Loan Count:** | **19** |
| **ATR QM Upload** |  |
| *Loans in Report:* | *19* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **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** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **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** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **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 Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **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** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **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** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 077A4C11-53E2-4E28-845A-5DB0A598DE4C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (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 | No | 1 | 5.7632 | Yes | Yes | 0.204 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 | No | No | (No Data) | 32857.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 362BF8CB-E0CB-41BD-984C-8FB1D0563ACE&nbsp;&nbsp;&nbsp;&nbsp; <br>| XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (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 | Yes | 1 | 6.2475 | No | No | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.98 | 45.9 | 49.98 | 45.9 | 45.9 | 45.9 | No | No | (No Data) | 16903.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 25 months | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Work Visa | Work Visa | (No Data) | (No Data) |
| 4CE13026-9017-4C38-B4F9-C6C76DB80187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | No | 1 | 5.8720 | Yes | Yes | 0.367 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.71 | 28.72 | 28.71 | 28.72 | 28.72 | 28.72 | No | No | (No Data) | 20903.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 25 | Yes | Independent Third Party (The Work Number, Equifax etc) | 26 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Written VOE - 25 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| CE07DCF2-5769-4253-AE54-32E4E6B0BE5D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (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 | 5.9369 | Yes | Yes | 0.611 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.54 | 39.54 | 39.54 | 39.54 | 39.54 | 39.54 | No | No | (No Data) | 16506.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 | Independent Third Party (The Work Number, Equifax etc) | 26 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Written VOE - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 118E4EBA-28B8-466A-AED8-C63739EBDA3D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 5.7605 | Yes | Yes | 0.085 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.89 | 24.9 | 24.89 | 24.9 | 24.9 | 24.9 | No | No | (No Data) | 43182.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | 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) | Yes | FMNA 1005 | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 519A13D0-DFB9-49F1-ADEC-FF6F5BE59453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Attached 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 | No | 1 | 6.1092 | Yes | Yes | 0 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.09 | 37.1 | 37.09 | 37.1 | 37.1 | 37.1 | No | No | (No Data) | 13420.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 2 | 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 Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 26 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 1099 - 12 months | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 89E4754E-717B-4DF6-A96F-E0C6B92C8D3D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 5.8961 | Yes | Yes | 0.086 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.2 | 21.05 | 21.2 | 21.05 | 21.05 | 21.05 | No | No | (No Data) | 79166.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 | Yes | 24 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| AC909503-269B-4203-8468-1F59DEC8A5E9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 5.9037 | Yes | Yes | 0.174 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.2 | 37.93 | 38.2 | 37.93 | 37.93 | 37.93 | No | No | (No Data) | 13526.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> Award Letter - 1 months;<br> Paystub - 1 months | 1099 - 24 months;<br> Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9411D9A0-E5C1-4992-9E31-49E87B760455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (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 | 6.0226 | Yes | Yes | 0.172 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.85 | 30.85 | 30.85 | 30.85 | 30.85 | 30.85 | No | No | (No Data) | 20169.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 98683822-B364-4E89-91B5-7466B74B929B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (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 | 5.7537 | Yes | Yes | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 13.58 | 13.82 | 13.58 | 13.82 | 13.82 | 13.82 | No | No | (No Data) | 162605.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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) | 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 | FMNA 1005 | 16 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 16 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 8239B9F0-58EA-4B38-8B76-7BE43FF88E9F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | Yes | 1 | 6.0099 | No | No | 0 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.62 | 47.62 | 47.62 | 47.62 | 47.62 | 47.62 | No | No | (No Data) | 8318.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (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) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 24 months;<br> Personal Tax Return - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| D0CC10FD-8921-4759-BAF0-ACA48D376347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1445 | Yes | Yes | 0.144 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.51 | 18.5 | 18.51 | 18.5 | 18.5 | 18.5 | No | No | (No Data) | 40794.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (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) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | Work Visa | Work Visa | (No Data) | (No Data) |
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | No | 1 | 5.7729 | Yes | Yes | 0.155 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.9 | 39.78 | 39.9 | 39.78 | 39.78 | 39.78 | No | No | (No Data) | 17313.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | Independent Third Party (The Work Number, Equifax etc) | 29 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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 | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| BCE782D7-FD51-41C5-8029-0258EAADE4D0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 6.2353 | Yes | Yes | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.22 | 33.22 | 33.22 | 33.22 | 33.22 | 33.22 | No | No | (No Data) | 26940.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (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 | Independent Third Party (The Work Number, Equifax etc) | 26 | Yes | Independent Third Party (The Work Number, Equifax etc) | 26 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Written VOE - 26 months | Written VOE - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| F12BF04C-2E61-418B-9E2B-6E52F484CAC5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | Yes | 1 | 5.9768 | No | No | 0.055 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.07 | 49.04 | 49.07 | 49.04 | 49.04 | 49.04 | No | No | (No Data) | 67295.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (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) | Yes | 36 | Yes | 36 | 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 Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Business Tax Return - 36 months;<br> Personal Tax Return - 36 months | Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2D88F44C-3CA5-4617-9B96-438A57E1FC57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (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 | 5.8985 | Yes | Yes | 0.122 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.88 | 36.88 | 36.88 | 36.88 | 36.88 | 36.88 | No | No | (No Data) | 14971.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 3 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | P & L - 3 months;<br> Personal Tax Return - 12 months;<br> Verbal VOE with Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Site Condo | 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 | 6.0967 | No | No | 1.313 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.87 | 47.87 | 47.87 | 47.87 | 47.87 | 47.87 | No | No | (No Data) | 10425.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 | Independent Third Party (The Work Number, Equifax etc) | 16 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Written VOE - 16 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| C9689293-617F-4ECC-B7BB-192A49B8BBA0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4061 | Yes | Yes | 0.106 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.69 | 37.75 | 37.69 | 37.75 | 37.75 | 37.75 | No | No | (No Data) | 20033.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3DC78048-7275-4779-A737-672A2C11378F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0295 | Yes | Yes | 0.171 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.27 | 27.27 | 27.27 | 27.27 | 27.27 | 27.27 | No | No | (No Data) | 35609.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

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<br>©2026 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.<br>

## Exhibit 99.2

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| | | | |
|:---|:---|:---|:---|
| **Client Name:** |  |  |  |
| **Client Project Name:** | **GSMBS 2026-PJ8** | **GSMBS 2026-PJ8** |  |
| **Start - End Dates:** | **3/26/2026 - 4/19/2026** | **3/26/2026 - 4/19/2026** |  |
| **Deal Loan Count:** | **19** |  |  |
| **Conditions Report 2.0** |  |  |  |
| ***Loans in Report:*** | *19* |  |  |
| ***Loans with Conditions:*** | *7* |  |  |
| **0 - Total Active Conditions** | **0 - Total Active Conditions** |  |  |
| **12 - Total Satisfied Conditions** | **12 - Total Satisfied Conditions** |  |  |
|  |  | 6 - Credit Review Scope | 6 - Credit Review Scope |
|  |  |  | 1 - Category: Assets |
|  |  |  | 1 - Category: Credit/Mtg History |
|  |  |  | 2 - Category: DTI |
|  |  |  | 1 - Category: Insurance |
|  |  |  | 1 - Category: Legal Documents |
|  |  | 1 - Property Valuations Review Scope | 1 - Property Valuations Review Scope |
|  |  |  | 1 - Category: Appraisal |
|  |  | 5 - Compliance Review Scope | 5 - Compliance Review Scope |
|  |  |  | 3 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 1 - Category: Documentation |
|  |  |  | 1 - Category: Right of Rescission |
| **0 - Total Waived Conditions** |  |  |  |
| <br>©2026 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. | <br>©2026 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. | <br>©2026 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. | <br>©2026 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 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2026-PJ8** |
| **Start - End Dates:** | **3/26/2026 4/29/2026** |
| **Deal Loan Count:** | **19** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *19* |
| ***Loans with Conditions:*** | *7* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **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** |
| 077A4C11-53E2-4E28-845A-5DB0A598DE4C | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The borrower's DTI of 26.30 is well below the guideline max requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's credit score is 803 which exceeds the guideline requirements.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No credit lates or derogatory accounts were identified.<br>|
| 362BF8CB-E0CB-41BD-984C-8FB1D0563ACE | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 724 exceeds minimum fico of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit history exceeds guidelines with no major derogs and excellent fico score<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit utilization is only 11.33%<br>|
| 4CE13026-9017-4C38-B4F9-C6C76DB80187 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Missing 1004D to support all requirements have been met. Appraisal completed subject to completion of plans and specs. | 4/14/2026 Received satisfactory 1004D. | 4/14/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 28.72% below program max 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 768 above program minimum 680.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Both borrowers employed in fields that warrant increased salary potentials..XXX and XXX.<br>|
| CE07DCF2-5769-4253-AE54-32E4E6B0BE5D | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 mid score > min required of 680<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for 12 years, stable job history.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments or significant credit occurrences in 2 year lookback period.<br>|
| 118E4EBA-28B8-466A-AED8-C63739EBDA3D | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have63 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 206 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; guidelines allow 89.99%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.61%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 mid score > min required of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $54,134.14 post closing reserves. No Reserves Required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.90% is below guideline maximum 50%.<br>|
| 519A13D0-DFB9-49F1-ADEC-FF6F5BE59453 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI well below guidelines at 37% versus max 50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: No major Derogs and excellent fico score<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO of 794 exceeds minimum score of 660.<br>|
| 89E4754E-717B-4DF6-A96F-E0C6B92C8D3D | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> 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 | 1. Missing documentation to support the liens on XXX reflected on evidence of hazard has been paid in full. No lien was disclosed on 1003.2. Missing proof to support no lien on XXX or proof that lien is held in LLC name. Schedule E reflects mortgage interest. | 4/6/2026 RE: #2: Received satisfactory property report forXXX supporting title held by LLC 4/10/2026 RE: #1 Lender provided settlement statement for cross collateralized loan including XXX. held by business. Review of credit report reflects matching lien was closed in 2025. | 4/7/2026 Exception partially satisfied (RE: Item #2) 4/10/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 21% with a max of 50%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Over 27 years in the same profession owning the same company<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score exceeds guidelines at 783 versus minimum 620<br>|
| 89E4754E-717B-4DF6-A96F-E0C6B92C8D3D | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | 1. Missing documentation to support the liens on XXX reflected on evidence of hazard has been paid in full. No lien was disclosed on 1003.2. Missing proof to support no lien on XXX or proof that lien is held in LLC name. Schedule E reflects mortgage interest. | 4/6/2026 RE: #2: Received satisfactory property report for XXX supporting title held by LLC 4/10/2026 RE: #1 Lender provided settlement statement for cross collateralized loan including XXX Review of credit report reflects matching lien was closed in 2025. | 4/7/2026 Exception partially satisfied (RE: Item #2) 4/10/2026 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 21% with a max of 50%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Over 27 years in the same profession owning the same company<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score exceeds guidelines at 783 versus minimum 620<br>|
| AC909503-269B-4203-8468-1F59DEC8A5E9 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.00%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Positive mortgage history for 148 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 mid score > min required of 620<br>|
| 9411D9A0-E5C1-4992-9E31-49E87B760455 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC3268 | Note in file is incomplete | No | Note in file is incomplete (missing Pg. 2 of 4). | 4.2.2026 - All pages to Note received | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 686 mid score > min required of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.85% DTI < max permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV < max permitted of 90%<br>|
| 9411D9A0-E5C1-4992-9E31-49E87B760455 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2862 | Copy of Note in file is incomplete | No | Note in file is incomplete (missing Pg. 2 of 4). | 4.2.2026 - All pages to Note received | 4.2.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 686 mid score > min required of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.85% DTI < max permitted of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV < max permitted of 90%<br>|
| 98683822-B364-4E89-91B5-7466B74B929B | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 783 above program requirement 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV XXX%..below program max 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been an XXX more than 10 years.<br>|
| 8239B9F0-58EA-4B38-8B76-7BE43FF88E9F | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score used is 806, guideline is 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $141,461.26 (20.31 months PITIA reserves) > min required reserves of $0<br>|
| D0CC10FD-8921-4759-BAF0-ACA48D376347 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min FICO is 680; borrs FICO is 770<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50%; borr backend is 18.50%<br>|
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> 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 proof that borrowers investment property is not subject to an HOA expense as qualified with. | 4/10/2026 Lender provided property report snippet reflecting property is not subject to HOA fee | 4/10/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 12 month review, no mortgage lates reported.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The representative credit score is 781.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is below the 50% guideline maximum.<br>|
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing proof that borrowers investment property is not subject to an HOA expense as qualified with. | 4/10/2026 Lender provided property report snippet reflecting property is not subject to HOA fee | 4/10/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 12 month review, no mortgage lates reported.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The representative credit score is 781.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is below the 50% guideline maximum.<br>|
| BCE782D7-FD51-41C5-8029-0258EAADE4D0 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is below the guideline max of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The representative credit score exceeds guideline minimum of 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has significant verified assets in the amount of $4,128,094.74 with no reserves required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: The borrower has a positive mortgage payment history per the credit report.<br>|
| F12BF04C-2E61-418B-9E2B-6E52F484CAC5 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | XXX, LLC is the originator of the subject transaction and the mortgage paid at closing, dated XXX and recorded XXX. | 4.22.20236 Lender provided Correct RTC H9 form. | 4.22.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 80%. Approved CLTV is XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,209,084.68 /$20,828.41 = 58.05 months' PITIA reserves. Required reserves are $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 740. Approved FICO is 780.<br>|
| 2D88F44C-3CA5-4617-9B96-438A57E1FC57 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has maintained a positive mortgage history since 2023.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower overall has a good credit history. 761 Fico and on time payments.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Borrower is a musician and earns royalty which yields a high potential for increased earnings.<br>|
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> 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 the copy of the Settlement statement for the XXX property listed on the 1003 to reflect evidence that the property has been sold. I am able to see the proceeds from the sale of $XXX within the XXX account statement on 3/9, however, the transaction does not disclose the property address. | 4/10/2026 Lender provided satisfactory settlement statement | 4/10/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage is only 25.06%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 800 exceeds the minimum fico of 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no lates nor any major derogatory credit<br>|
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing the copy of the Settlement statement for the XXX property listed on the 1003 to reflect evidence that the property has been sold. I am able to see the proceeds from the sale of $XXX within the XXX account statement on 3/9, however, the transaction does not disclose the property address. | 4/10/2026 Lender provided satisfactory settlement statement | 4/10/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage is only 25.06%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 800 exceeds the minimum fico of 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no lates nor any major derogatory credit<br>|
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Insurance | Satisfied<br> C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard must reflect guaranteed replacement costs or additional coverage is required | 4/10/2026 Lender provided insurance policy evidencing replacement cost coverage | 4/10/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage is only 25.06%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 800 exceeds the minimum fico of 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no lates nor any major derogatory credit<br>|
| C9689293-617F-4ECC-B7BB-192A49B8BBA0 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 exceeds minimum score requirement of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no lates reporting nor any major derogatory events<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit utilization is only 21.14%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is only 37% versus the max DTI of 50%<br>|
| 3DC78048-7275-4779-A737-672A2C11378F | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post closing assets: $22,738.46 (1.88 months PITIA reserves) < min required reserves of 6 months, per lender guideline @ XXX% LTV/CLTV. | 4/15/2026 Received rebuttal from client with supporting bank statements for multiple accounts. Review of documentation provided reflects Clayton used the same ending balances cited by client. The variance in available post-closing assets is due to using account balance after EMD was paid without entering credit for EMD clearing account. Statement provided verifies EMD cleared 2/27/26. Revised post-closing assets are sufficient at total of $222,238.46 (18.35 months PITIA reserves) | 4/15/2026 Exception satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is only utilizing 19% of revolving credit.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has a good and steady credit history since 2015.<br>|

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2026-PJ8** |
| **Start - End Dates:** | **3/26/2026 - 4/29/2026** |
| **Deal Loan Count:** | **19** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *19* |
| ***Loans with Conditions:*** | *7* |

---

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 077A4C11-53E2-4E28-845A-5DB0A598DE4C | XXXXXX | XXXXXX<br> A | Not Applicable |
| 362BF8CB-E0CB-41BD-984C-8FB1D0563ACE <br>| XXXXXX | XXXXXX<br> A | No |
| 4CE13026-9017-4C38-B4F9-C6C76DB80187 | XXXXXX | XXXXXX<br> D<br> A | No |
| CE07DCF2-5769-4253-AE54-32E4E6B0BE5D | XXXXXX | XXXXXX<br> A | Not Applicable |
| 118E4EBA-28B8-466A-AED8-C63739EBDA3D | XXXXXX | XXXXXX<br> A | Not Applicable |
| 519A13D0-DFB9-49F1-ADEC-FF6F5BE59453 | XXXXXX | XXXXXX<br> A | No |
| 89E4754E-717B-4DF6-A96F-E0C6B92C8D3D | XXXXXX | XXXXXX<br> D<br> A<br> C | No |
| AC909503-269B-4203-8468-1F59DEC8A5E9 | XXXXXX | XXXXXX<br> A | No |
| 9411D9A0-E5C1-4992-9E31-49E87B760455 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 98683822-B364-4E89-91B5-7466B74B929B | XXXXXX | XXXXXX<br> A | No |
| 8239B9F0-58EA-4B38-8B76-7BE43FF88E9F | XXXXXX | XXXXXX<br> A | Not Applicable |
| D0CC10FD-8921-4759-BAF0-ACA48D376347 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | XXXXXX | XXXXXX<br> D<br> A | No |
| BCE782D7-FD51-41C5-8029-0258EAADE4D0 | XXXXXX | XXXXXX<br> A | No |
| F12BF04C-2E61-418B-9E2B-6E52F484CAC5 | XXXXXX | XXXXXX<br> B<br> A | No |
| 2D88F44C-3CA5-4617-9B96-438A57E1FC57 | XXXXXX | XXXXXX<br> A | No |
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | XXXXXX<br> D<br> A | No |
| C9689293-617F-4ECC-B7BB-192A49B8BBA0 | XXXXXX | XXXXXX<br> A | No |
| 3DC78048-7275-4779-A737-672A2C11378F | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2026-PJ8** |
| **Start - End Dates:** | **3/26/2026 - 4/29/2026** |
| **Deal Loan Count:** | **19** |
| **Valuations Summary** |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans In Report:* | *19* |  |  |  | **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** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **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** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 077A4C11-53E2-4E28-845A-5DB0A598DE4C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) <br>|  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 362BF8CB-E0CB-41BD-984C-8FB1D0563ACE <br>| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 4CE13026-9017-4C38-B4F9-C6C76DB80187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.96% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| CE07DCF2-5769-4253-AE54-32E4E6B0BE5D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 118E4EBA-28B8-466A-AED8-C63739EBDA3D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 519A13D0-DFB9-49F1-ADEC-FF6F5BE59453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 89E4754E-717B-4DF6-A96F-E0C6B92C8D3D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| AC909503-269B-4203-8468-1F59DEC8A5E9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 9411D9A0-E5C1-4992-9E31-49E87B760455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 98683822-B364-4E89-91B5-7466B74B929B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 8239B9F0-58EA-4B38-8B76-7BE43FF88E9F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| D0CC10FD-8921-4759-BAF0-ACA48D376347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) <br>|  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| BCE782D7-FD51-41C5-8029-0258EAADE4D0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% | 1004D (Mar 05) | XXXXXX | XXXXXX | $0.00 | 0.00% | 3.2 |
| F12BF04C-2E61-418B-9E2B-6E52F484CAC5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.14% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5.0 |
| 2D88F44C-3CA5-4617-9B96-438A57E1FC57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| C9689293-617F-4ECC-B7BB-192A49B8BBA0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 3DC78048-7275-4779-A737-672A2C11378F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |

---

## Exhibit 99.2

![](logo_clayton.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Level Tape Compare Upload** |  |  |  |  |
| *Loans in Report* | *17* |  |  |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 362BF8CB-E0CB-41BD-984C-8FB1D0563ACE | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 362BF8CB-E0CB-41BD-984C-8FB1D0563ACE | XXXXXX | Combined Loan to Value | XXX | XXX |
| 362BF8CB-E0CB-41BD-984C-8FB1D0563ACE | XXXXXX | DTI (Back) | 49.4780 | 45.8984 |
| 362BF8CB-E0CB-41BD-984C-8FB1D0563ACE | XXXXXX | Loan to Value | XXX | XXX |
| 362BF8CB-E0CB-41BD-984C-8FB1D0563ACE | XXXXXX | Original Principal Balance | XXXXXX | XXXXXX |
| 4CE13026-9017-4C38-B4F9-C6C76DB80187 | XXXXXX | Combined Loan to Value | XXX | XXX |
| 4CE13026-9017-4C38-B4F9-C6C76DB80187 | XXXXXX | Loan to Value | XXX | XXX |
| 4CE13026-9017-4C38-B4F9-C6C76DB80187 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 4CE13026-9017-4C38-B4F9-C6C76DB80187 | XXXXXX | Original Principal Balance | XXXXXX | XXXXXX |
| 4CE13026-9017-4C38-B4F9-C6C76DB80187 | XXXXXX | Property Type | SFR | Detached PUD |
| CE07DCF2-5769-4253-AE54-32E4E6B0BE5D | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| CE07DCF2-5769-4253-AE54-32E4E6B0BE5D | XXXXXX | Combined Loan to Value | XXX | XXX |
| CE07DCF2-5769-4253-AE54-32E4E6B0BE5D | XXXXXX | Loan to Value | XXX | XXX |
| CE07DCF2-5769-4253-AE54-32E4E6B0BE5D | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| CE07DCF2-5769-4253-AE54-32E4E6B0BE5D | XXXXXX | Original Principal Balance | XXXXXX | XXXXXX |
| 118E4EBA-28B8-466A-AED8-C63739EBDA3D | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 118E4EBA-28B8-466A-AED8-C63739EBDA3D | XXXXXX | Combined Loan to Value | XXX | XXX |
| 118E4EBA-28B8-466A-AED8-C63739EBDA3D | XXXXXX | Loan to Value | XXX | XXX |
| 118E4EBA-28B8-466A-AED8-C63739EBDA3D | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 519A13D0-DFB9-49F1-ADEC-FF6F5BE59453 | XXXXXX | Note Date | XXXXXX | XXXXXX |
| 519A13D0-DFB9-49F1-ADEC-FF6F5BE59453 | XXXXXX | Original Principal Balance | XXXXXX | XXXXXX |
| 519A13D0-DFB9-49F1-ADEC-FF6F5BE59453 | XXXXXX | Property Type | SFR | Attached PUD |
| 89E4754E-717B-4DF6-A96F-E0C6B92C8D3D | XXXXXX | DTI (Back) | 17.5810 | 21.0453 |
| 89E4754E-717B-4DF6-A96F-E0C6B92C8D3D | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 89E4754E-717B-4DF6-A96F-E0C6B92C8D3D | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 89E4754E-717B-4DF6-A96F-E0C6B92C8D3D | XXXXXX | Note Date | XXXXXX | XXXXXX |
| 9411D9A0-E5C1-4992-9E31-49E87B760455 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 9411D9A0-E5C1-4992-9E31-49E87B760455 | XXXXXX | Original Principal Balance | XXXXXX | XXXXXX |
| 98683822-B364-4E89-91B5-7466B74B929B | XXXXXX | DTI (Back) | 16.9850 | 13.8215 |
| 98683822-B364-4E89-91B5-7466B74B929B | XXXXXX | Note Date | XXXXXX | XXXXXX |
| 98683822-B364-4E89-91B5-7466B74B929B | XXXXXX | Original Principal Balance | XXXXXX | XXXXXX |
| 8239B9F0-58EA-4B38-8B76-7BE43FF88E9F | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| D0CC10FD-8921-4759-BAF0-ACA48D376347 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| D0CC10FD-8921-4759-BAF0-ACA48D376347 | XXXXXX | Combined Loan to Value | XXX | XXX |
| D0CC10FD-8921-4759-BAF0-ACA48D376347 | XXXXXX | Loan to Value | XXX | XXX |
| D0CC10FD-8921-4759-BAF0-ACA48D376347 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| D0CC10FD-8921-4759-BAF0-ACA48D376347 | XXXXXX | Representative Score | 781 | 770 |
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | XXXXXX | Combined Loan to Value | XXX | XXX |
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | XXXXXX | DTI (Back) | 34.0690 | 39.7783 |
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | XXXXXX | Loan to Value | XXX | XXX |
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | XXXXXX | Original Principal Balance | XXXXXX | XXXXXX |
| 18927356-15FA-43A3-87CF-B4DF192DEF0E | XXXXXX | Property Type | SFR | Detached PUD |
| BCE782D7-FD51-41C5-8029-0258EAADE4D0 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| F12BF04C-2E61-418B-9E2B-6E52F484CAC5 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 2D88F44C-3CA5-4617-9B96-438A57E1FC57 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 2D88F44C-3CA5-4617-9B96-438A57E1FC57 | XXXXXX | Combined Loan to Value | XXX | XXX |
| 2D88F44C-3CA5-4617-9B96-438A57E1FC57 | XXXXXX | Loan to Value | XXX | XXX |
| 2D88F44C-3CA5-4617-9B96-438A57E1FC57 | XXXXXX | Note Rate | XXX | XXX |
| 2D88F44C-3CA5-4617-9B96-438A57E1FC57 | XXXXXX | Original Principal Balance | XXXXXX | XXXXXX |
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | Combined Loan to Value | XXX | XXX |
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | DTI (Back) | 43.9280 | 47.8717 |
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | Loan to Value | XXX | XXX |
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | Original Principal Balance | XXXXXX | XXXXXX |
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | Property Type | Condotel | Site Condo |
| 27D6795B-32BA-4E83-A041-932D01856B1B | XXXXXX | Representative Score | 793 | 800 |
| C9689293-617F-4ECC-B7BB-192A49B8BBA0 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| 3DC78048-7275-4779-A737-672A2C11378F | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 3DC78048-7275-4779-A737-672A2C11378F | XXXXXX | DTI (Back) | 24.1200 | 27.265 |
| 3DC78048-7275-4779-A737-672A2C11378F | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com | The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com | The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com | The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com | The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** <br>| **GSMBS 2026-PJ8** |
| **Start - End Dates:** | **3/26/2026 - 4/29/2026** |
| **Deal Loan Count:** | **19** |
| **Waived Conditions Summary -** None | **Waived Conditions Summary -** None |
| <br>©2026 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. | <br>©2026 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

![](logo_ca.jpg)

#### EXECUTIVE SUMMARY<br> THIRD PARTY DUE DILIGENCE REVIEW

#### Overview
Consolidated Analytics, Inc ("Consolidated Analytics"), performed certain due diligence services (the "Review") described below on a newly originated residential mortgage loan acquired by Goldman Sachs Mortgage Company through a bulk purchase. The review included a total of 106 newly originated residential mortgage loans, in connection with the securitization identified as GSMBS 2026-PJ8 (the "Securitization"). The Review was conducted from February 2026 to April 2026 on mortgage loans originated between September 2025 and April 2026.

#### 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:

<br> a. QM or ATR Validation / Review of 8 Key Underwriting Factors

<br> i. Income / Assets

<br> • Validate borrower(s) monthly gross income

<br> • Validate funds required to close, required reserves

<br> • Review file documentation for required level of income and asset verifications

<br> ii. Employment Status

<br> • Review file documentation for required level of employment

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

<br> • Validate all concurrent loans are included in the DTI to properly assess the ability to repay

<br> v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

<br> • Validate subject loan monthly payment (PITI) and associated obligations

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

<br> • Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

<br> • Documentation meets Appendix Q requirements for QM Loans

<br> viii. Credit History

<br> • Review credit report for credit history and required credit depth including any / all inquiries

<br> • Determine representative credit score from credit report

<br> b. Validate loan-to-value (LTV) and combined loan-to-value

<br> c. Review borrower's occupancy

<br> d. Validation through third party resource of the subject properties most recent twelve (12) month sales history

------

<br> 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

<br> f. Confirm that Final 1063 is sufficiently completed

<br> g. Provide Audit 1068 with accurate data based on file documentation

<br> h. Confirm Loan Approval conditions were met

<br> 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

<br> j. General QM for any loans originated under the GQM Rule

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

<br> b. Pricing for Subordinate Lien Loans:

i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable loan amount threshold; and

ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

<br> c. Pricing for Manufactured Homes:

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

ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than the applicable dollar amount threshold.

<br> ii. Consider Income and Assets:

<br> o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

<br> o The consumer's debt obligations, alimony, child support; and

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

<br> 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:

<br> i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

------

<br> ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

<br> 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;

<br> iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

<br> 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

<br> 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. The Compliance Review included the following:

<br> a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

<br> ii. Identify Tolerance Violations and applicable cost to cure

<br> d. Comprehensive review of Closing Disclosure to determine transaction accuracy

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

<br> iii. Local and/or State Anti-predatory and High Cost provisions

<br> iv. HOEPA Points and Fees

<br> g. Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

<br> h. Compliance with QM as it relates to:

<br> i. APR Test

<br> ii. Points & Fees Test

<br> iii. Prepayment Penalty Test

<br> iv. Product Eligibility Testing

<br> i. Notice of Right to Cancel (Rescission) Review

<br> i. Confirm transaction date, expiration date, and disbursement date

<br> ii. Confirm document is properly executed by all required parties to the transaction

<br> iii. Confirm the correct Right of Rescission document was executed for the transaction type

------

<br> j. Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents

<br> k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

<br> 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:

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.

<br> 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.

<br> 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.

<br> 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.

<br> e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

<br> f. Ensure that the appraisal conforms to the guidelines provided from the Client.

<br> g. Review appraisal to ensure all required documents were included.

<br> h. Review location map provided within the appraisal for external obsolescence.

<br> i. Ensure highest and best use and zoning complies with guidelines.

<br> j. Confirm there are no marketability issues that affect the subject property.

<br> k. Ensure subject property does not suffer any functional obsolescence.

<br> l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a review could not be performed.

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 Eligibiity.

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 (106 loans in total):

Five (5) loans had a Secondary Appraisal, forty-six (46) loans had an AVM, and twenty-four (24) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Desktop Review, Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were eight (8) occurrences of this.

If a loan with a Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were two (2) occurrences of this.

Two (2) loans had a Field Review or BPO, zero (0) loans had a Full Appraisal Review, and zero (0) loans had an Exterior Only Appraisal Review.

#### Product totals may not sum due to multiple products for each loan

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the 106 mortgage loans reviewed, forty-one (41) unique mortgage loans (38.68% by loan count) had a total of forty-three (43) tape discrepancies across eight (8) 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.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| QM Qualifying Total Debt Income Ratio | 30 | 69.77% |
| Qualifying LTV | 3 | 6.98% |
| Application Date | 3 | 6.98% |
| Property Zip Code | 3 | 6.98% |
| Refinance Type | 1 | 2.33% |
| Qualifying Total Debt Income Ratio | 1 | 2.33% |
| Property Type | 1 | 2.33% |
| Note Date | 1 | 2.33% |
| **Grand Total** | **43** | **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 Sample |
| Event Grade A | 79 | $108972332.00 | 74.53% |
| Event Grade B | 27 | $32598661.00 | 25.47% |

---

------

---

| | | | |
|:---|:---|:---|:---|
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 106 | $141570993.00 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 98 | 92.45% |  |
| Event Grade B | 8 | 7.55% |  |
| Event Grade C | 0 | 0 |  |
| Event Grade D | 0 | 0 |  |
| **Total Sample** | 106 | 100.00% |  |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 87 | 82.08% |  |
| Event Grade B | 19 | 17.92% |  |
| Event Grade C | 0 | 0 |  |
| Event Grade D | 0 | 0 |  |
| **Total Sample** | 106 | 100.00% |  |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 103 | 97.17% |  |
| Event Grade B | 3 | 2.83% |  |
| Event Grade C | 0 | 0% |  |
| Event Grade D | 0 | 0% |  |
| **Total Sample** | 106 | 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").

---

| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | No Credit Findings | 71 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 11 |
| Credit | A | AUS Partially Provided | 4 |
| Credit | A | Third Party Fraud Report not Provided | 3 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| | | Asset Qualification Does Not Meet Guideline Requirements | 3 |
| | | Borrower 1 3rd Party VOE Prior to Close Missing | 3 |
| | | All Interested Parties Not Checked with Exclusionary Lists | 2 |
| | | Income and Employment Do Not Meet Guidelines | 2 |
| | | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 2 |
| | | Audited DTI Exceeds AUS DTI | 1 |
| | | Audited Reserves are less than Guideline Required Reserves (Number of Months) | 1 |
| | | Audited DTI Exceeds Guideline DTI | 1 |
| | | Missing Income - Award Letter | 1 |
| | | Income 5 Months Income Verified is Missing | 1 |
| | | Missing Credit Report Supplement | 1 |
| | | Missing explanation and supporting documentation for large deposit(s) | 1 |
| | | OFAC Check Not Completed and/or Cleared | 1 |
| | | Asset 8 Missing | 1 |
| | | Missing Letter of Explanation (Income) | 1 |
| | | Missing Verification of Mortgage | 1 |
| | | Asset 5 Does Not Meet Guideline Requirements | 1 |
| | | Borrower 1 Paystubs Missing | 1 |
| | | No evidence of required debt payoff | 1 |
| | | Borrower 2 3rd Party VOE Prior to Close Missing | 1 |
| | | PUD Rider is Missing | 1 |
| | | Borrower 2 Paystubs Missing | 1 |
| | | Title Document Missing | 1 |
| | | Guideline Seasoning not Met | 1 |
| | | Hazard Insurance Policy is Missing | 1 |
|  |  | ***Total Credit Grade (A) Exceptions:*** | **121** |
|  | B | Purchase Contract is Incomplete | 3 |
|  | B | Title Coverage is Less than Subject Lien | 2 |
|  | B | Hazard Insurance Effective Date is after the Disbursement Date | 2 |
|  | B | Missing income documentation | 1 |
|  | B | ***Total Credit Grade (B) Exceptions:*** | **8** |
| Compliance | A | No Compliance Findings | 77 |
| Compliance | A | Charges That Cannot Increase Test | 7 |
| Compliance | A | Lender Credits That Cannot Decrease Test | 5 |
| Compliance | A | Charges That In Total Cannot Increase More Than 10% Test | 5 |
| Compliance | A | Initial Loan Estimate Delivery Date Test (from application) | 3 |
| Compliance | A | TILA Right of Rescission Test | 3 |
| Compliance | A | RESPA Homeownership Counseling Organizations Disclosure Date Test | 2 |
| Compliance | A | TRID: Missing Closing Disclosure | 1 |
| Compliance | A | Revised Loan Estimate Delivery Date Test (prior to consummation) | 1 |
| Compliance | A | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | 1 |

---

------

---

| | | | |
|:---|:---|:---|:---|
|  |  | ***Total Compliance Grade (A) Exceptions:*** | **105** |
|  | B | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 7 |
|  | B | Missing Required Affiliated Business Disclosure | 6 |
|  | B | RESPA Homeownership Counseling Organizations Disclosure Date Test | 3 |
|  | B | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | 1 |
|  | B | eSigned Documents Consent is Missing | 1 |
|  | B | Charges That In Total Cannot Increase More Than 10% Test | 1 |
|  | B | Charges That Cannot Increase Test | 1 |
|  | B | ***Total Compliance Grade (B) Exceptions:*** | **20** |
| Property | A | No Property Findings | 93 |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 7 |
| Property | A | Subject property appraisal is not on an as-is basis (Primary Value) | 2 |
| Property | A | HOA Questionnaire is Missing | 1 |
| Property | A | Property/Appraisal General | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | **104** |
| Property | B | Third Party Valuation Product Not Provided within 10% Tolerance | 2 |
| Property | B | Condo Approval Missing | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | **3** |

---

#### 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. |

---

---

| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
| 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 substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and |

---

------

---

| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
|  | occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| C | 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. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| **Compliance Event Grades** | **Compliance Event Grades** |
| A | 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. |
| 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 absent 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. |

---

---

| | |
|:---|:---|
| **Valuation Event Grades** | **Valuation Event Grades** |
| A | 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. |
| B | 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. |
| 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. |

---

------

---

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

---

## Exhibit 99.3

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Deal Num** | **Investor Loan Number** | **Deal Name** | **Exception ID** | **Last Name** | **Purpose** | **Occupancy** | **Note Date** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Information** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Compensating Factors** | **Statute of Limitation Date** | **Assigned To** | **Comments** |
| 71000109 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation <br>| Primary Residence <br>| XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/05/2026 | Compliance | No Compliance Findings | Resolved | 02/09/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000109 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/06/2026 | Property | No Property Findings | Resolved | 02/09/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000109 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/06/2026 | Credit | No Credit Findings | Resolved | 02/09/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000041 | XXXXX | XXX | XXX |  | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/16/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved | 03/26/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file was missing the property taxes for the property located at XXX, and missing HOA for the following properties: XXX , XXX, XXX , XXX , XXX. | Document Uploaded. ; Document Uploaded. |  |  |  | Closed | Client provided Property Ownership history reflecting Property Taxes for XXX . LM Updated.; Client provided LOE stating: None of the following properties are located in an HOA. XXX , XXX , XXX , XXX , XXX Still missing property taxes for the property located at XXX. |
| 71000041 | XXXXX | XXX | XXX |  | XXX | FCRE9549 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/16/2026 | Credit | Missing Credit Report Supplement | Resolved | 03/20/2026 | 1 | Missing Credit Report Supplement | The credit report, dated XX/XX/XXXX, reflected an XXX inquiry on XX/XX/XXXX. The loan file contained the borrower's letter of explanation along with a processor cert explaining a new account was obtained. The loan file did not have a credit supplement or a copy of the new Statement for the new account. | Document Uploaded. |  |  |  | Closed | Client provided XXX. LM Updated. |
| 71000041 | XXXXX | XXX | XXX |  | XXX | FCRE1491 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/16/2026 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Resolved | 03/03/2026 | 1 | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per DU if depository assets are needed top support the amount of funds required and reserves, bank Statements covering a two month period are required. The application reflected assets with XXX XXX #XXX #XXX #XXX #XXX and #XXX XXX The loan file contained the bank Statement for XXX XXX #XXX with a balance of XXX The bank Statements reflected the borrower had the other accounts; however, the activity for each account was not provided. | Document Uploaded. XXX has a total of XXX in assets, the other XXX are not required |  |  |  | Closed | Client States: XXX , XXX has a total of XXX in assets, the other XXX are not required. LM Updated. ; Asset Qualification Meets Guideline Requirements |
| 71000041 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/17/2026 | Compliance | No Compliance Findings | Resolved | 02/17/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000041 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/17/2026 | Property | No Property Findings | Resolved | 02/17/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000095 | XXXXX | XXX | XXX |  | XXX | FVAL9739 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Property | Property/Appraisal General | Resolved | 03/12/2026 | 1 | Property/Appraisal General | Property/Appraisal guideline violation: Lender's TPO guidelines require a CU score and an LCA score of XXX, than a TPV is required. For the subject, CU score is XXX but the LCA score is XXX Therefore, a TPV is required but was not in the file. | Document Uploaded. |  |  |  | Closed | Property/Appraisal Meets Guidelines; Client provided XXX. LM Updated. |
| 71000095 | XXXXX | XXX | XXX |  | XXX | FCRE4963 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/23/2026 | Credit | No evidence of required debt payoff | Resolved | 03/11/2026 | 1 | No evidence of required debt payoff | The borrower's XXX personal tax returns shows taxes owed in the amount of XXX Lender's TPO guidelines indicate that either validation the taxes have been paid, or proof of an IRS repayment plan, may be required. There is no evidence in the file that either option has been met. | Document Uploaded. See Page XXX of attached investment statement. XXX was paid in full XXX . |  |  |  | Closed | Client provided XXX reflecting IRS payment in the amount of XXX on XX/XX/XXXX. LM Updated. |
| 71000095 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | Compliance | No Compliance Findings | Resolved | 02/25/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000101 | XXXXX | XXX | XXX |  | XXX | FPRO9990 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Acknowledged | 03/24/2026 | 2 | Third Party Valuation Product Not Provided within XXX Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. |  |  |  | Closed | Acknowledged, accepting 2/B grading; ; Third party valuation product provided within tolerance.; Client provided Field Review dated XX/XX/XXXX. LM Updated. |
| 71000101 | XXXXX | XXX | XXX |  | XXX | FPRO1500 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | Property | HOA Questionnaire is Missing | Resolved | 03/06/2026 | 1 | HOA Questionnaire is Missing | HOA Questionnaire Missing | Document Uploaded. |  |  |  | Closed | HOA Questionnaire Provided; Client provided HOA FNMA Approved certification. LM Updated.;XXX ; HOA Questionnaire Missing |
| 71000101 | XXXXX | XXX | XXX |  | XXX | FCRE7497 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/24/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved | 03/06/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide HOI, Taxes and HOA if applicable along with monthly mortgage Statement. Additional documentation may be applicable (#XXX) | Document Uploaded. |  |  |  | Closed | Client provided XXX Detail Report, Mortgage Statement, Hazard Policy and HOA Statement for XXX LM Updated. |
| 71000101 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Compliance | No Compliance Findings | Resolved | 02/25/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000117 | XXXXX | XXX | XXX |  | XXX | FCOM5135 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Compliance | Missing Required Affiliated Business Disclosure | Acknowledged | 03/13/2026 | 2 | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000117 | XXXXX | XXX | XXX |  | XXX | FCRE1964 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Credit | Missing income documentation | Acknowledged | 03/28/2026 | 2 | Missing income documentation | The borrower provided the Systematic withdrawal request for XXX for the monthly income of XXX per month. The document was missing page XXX | This should be downgraded to XXX - Non Material. While we agree Page XXX is missing, Page XXX is immaterial to the loan transaction. |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged and downgraded as non-material. |
| 71000117 | XXXXX | XXX | XXX |  | XXX | finding-3635 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | Resolved | 04/02/2026 | 1 | Charges That In Total Cannot Increase More Than XXX Test | This loan failed the charges that in total cannot increase more than XXX% 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 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 §1026.19(e)(1)(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 §1026.19(e)(1)(vi). Because the XXX was missing, fees in Section C were subject to XXX% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of XXX is required. The defect may be resolved by providing the missing document. If curing the violation: Refund in the amount of XXX cure package requires a PCCD, LOE, and Copy of Refund Check, and proof of delivery. | Document Uploaded. |  |  |  | Closed | XXX provided; exception resolved; XXX provided; exception resolved |
| 71000117 | XXXXX | XXX | XXX |  | XXX | FCRE4104 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Credit | Missing explanation and supporting documentation for large deposit(s) | Resolved | 03/25/2026 | 1 | Missing explanation and supporting documentation for large deposit(s) | The borrower provided the XXX account number XXX for XX/XX/XXXX. This Statement was used for the partial earnest money deposit of XXX which was wired out on XX/XX/XXXX. The Statement reflects the following large deposits: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX The loan file is missing the supporting documentation for the source of funds deposited which were used for earnest money. | Item 2 - EMD XXX wire debt dated XX/XX/XXXX per bank statement (pg XXX). EMD XXX wire debt dated XX/XX/XXXX per bank statement (pg XXX).<br> Initial application dated XX/XX/XXXX (pg XXX)<br> Loan closed Note Date XX/XX/XXXX.<br>EMD deposits are evidenced from the borrower's account. The title company held these deposits in the borrower's escrow account, seasoning them XX/XX/XXXX, respectively, before the initial loan application. Therefore, seasoning has been met and an additional month's bank statement is not material to the loan.<br>To note, the XXX states if the EMD is required to make the borrower's minimum contribution it just come from their own funds. In this case, we can see the funds have been derived from the borrower's own account, as required per FNMA XX/XX/XXXX and the AUS |  |  |  | Closed | Client States: Item XXX - EMD XXX wire debt dated XX/XX/XXXX per bank Statement (pg XXX). EMD XXX wire debt dated XX/XX/XXXX per bank Statement (pg XXX). Initial application dated XX/XX/XXXX (pg XXX) Loan closed Note Date XX/XX/XXXX. EMD deposits are evidenced from the borrower's account. The title company held these deposits in the borrower's escrow account, seasoning them XXX and XXX months, respectively, before the initial loan application. Therefore, seasoning has been met and an additional month's bank Statement is not material to the loan. To note, the DU States if the EMD is required to make the borrower's minimum contribution it just come from their own funds. In this case, we can see the funds have been derived from the borrower's own account, as required per FNMA B3- XX/XX/XXXX and the AUS. Verified. LM Updated. |
| 71000117 | XXXXX | XXX | XXX |  | XXX | FCRE1491 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Resolved | 03/13/2026 | 1 | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements DU requires the assets for fund required and reserves to be documented with two month bank Statements. XXX, #XXX is missing XX/XX/XXXX Statement. XX/XX/XXXX and XX/XX/XXXX was provided. Also the borrower provided bank Statements for the earnest money which came from XXX #XXX. XX/XX/XXXX and XX/XX/XXXX Statements were provided. Missing XX/XX/XXXX and XX/XX/XXXX to complete the two months required. | I am working on all the findings, but I wanted to run this one by you. Regarding XXX: Per FNMA XX/XX/XXXX, when the account is made up of stocks and mutual funds, only the most recent monthly or quarterly statement is required. XXX months statements are required only on depository accounts. If you agree, I'll cross this issue off the list and continue working on the rest. Thanks! |  |  |  | Closed | Asset Qualification Meets Guideline Requirements; XXX Statements in file and not required. XXX reflects XXX and XXX accounts. LM Updated. |
| 71000117 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 02/25/2026 | Property | No Property Findings | Resolved | 02/25/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000005 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | Property | No Property Findings | Resolved | 03/04/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000005 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | Credit | No Credit Findings | Resolved | 03/04/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000005 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | Compliance | No Compliance Findings | Resolved | 03/04/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000057 | XXXXX | XXX | XXX |  | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Acknowledged | 03/13/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000057 | XXXXX | XXX | XXX |  | XXX | finding-3367 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Acknowledged | 03/13/2026 | 2 | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he 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); or The 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 XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata 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 Sunday As not being open on Saturday PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile Page XXX 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. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading.; Exception is non-material and graded as level 2/B. |
| 71000057 | XXXXX | XXX | XXX |  | XXX | finding-3635 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | Resolved | 03/17/2026 | 1 | Charges That In Total Cannot Increase More Than XXX Test | This loan failed the charges that in total cannot increase more than XXX% 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 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 §1026.19(e)(1)(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 §1026.19(e)(1)(vi). 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 XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX Electronic Recording service, XXX to XXX Title insurance policy, XXX to XXX wire fee. The fees in section C of Final CD were tested as XXX% because the XXX provided was dated more than XXX business days from application. If borrower did shop for fees, please provide the XXX dated within XXX days of application so testing can be completed as such. | Document Uploaded. |  |  |  | Closed | XXX dated within XXX days of the application date provided; exception resolved; XXX dated within XXX days of the application date provided; exception resolved |
| 71000057 | XXXXX | XXX | XXX |  | XXX | FCRE1145 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/02/2026 | Credit | Title Document Missing | Resolved | 03/11/2026 | 1 | Title Document Missing | Title Document is missing Unable to locate title. | Document Uploaded. Title |  |  |  | Closed | Title Document is fully Present; Client provided Commitment for Tile for the subject property. LM Updated. |
| 71000057 | XXXXX | XXX | XXX |  | XXX | FCRE1157 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/02/2026 | Credit | Hazard Insurance Policy is Missing | Resolved | 03/11/2026 | 1 | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Unable to locate for subject property, did find for previous primary that they are retaining, but not for subject property. | Document Uploaded. Policy & Estimator attached |  |  |  | Closed | Hazard Insurance Policy is fully present; Client provided Evidence of Insurance and XXX for the subject property. LM Updated. |
| 71000057 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/03/2026 | Property | No Property Findings | Resolved | 03/06/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000037 | XXXXX | XXX | XXX |  | XXX | finding-3634 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/06/2026 | Compliance | Charges That Cannot Increase Test | Resolved | 03/26/2026 | 1 | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease 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). 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 of the appraisal fee from XXX to XXX on the LE dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX does not advise why appraisal fee increased. Cure of XXX applied to appraisal fee. | XXX appraisal are required for loan amounts XXX and greater ; Document Uploaded. |  |  |  | Closed | Valid COC provided; exception resolved; Valid COC provided; exception resolved; The COC indicates that a 2nd appraisal fee was added but didn't contain a reason for the new/increased fee. Please provide clarification |
| 71000081 | XXXXX | XXX | XXX |  | XXX | finding-3367 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Acknowledged | 03/13/2026 | 2 | RESPA Homeownership Counseling Organizations Disclosure Date Test | Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he 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); or The 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 XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading.; Acknowledged, accepting 2/B grade. |
| 71000081 | XXXXX | XXX | XXX |  | XXX | finding-3652 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | Compliance | Lender Credits That Cannot Decrease Test | Resolved | 03/16/2026 | 1 | Lender Credits That Cannot Decrease 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. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. |  |  |  | Closed | Initial LE provided; exception resolved; Initial LE provided; exception resolved |
| 71000081 | XXXXX | XXX | XXX |  | XXX | finding-3634 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | Compliance | Charges That Cannot Increase Test | Resolved | 03/16/2026 | 1 | 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. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease 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). |  |  |  |  | Closed | Initial LE provided; exception resolved; Initial LE provided; exception resolved |
| 71000081 | XXXXX | XXX | XXX |  | XXX | finding-3635 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | Resolved | 03/16/2026 | 1 | 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. The exception is tied to the missing Initial LE and Service provider list issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE are dated XX/XX/XXXX. Please provide the initial LE and Service provider list issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the documents are provided. This loan failed the charges that in total cannot increase more than XXX% 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 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 §1026.19(e)(1)(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 §1026.19(e)(1)(vi). | Document Uploaded. |  |  |  | Closed | Initial LE provided; exception resolved |
| 71000081 | XXXXX | XXX | XXX |  | XXX | finding-3515 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | Resolved | 03/16/2026 | 1 | Initial Loan Estimate Delivery Date Test (from application) | Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. 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) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application. Therefore, if additional disclosures are entered into XXX, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Document Uploaded. |  |  |  | Closed | Initial LE provided; exception resolved; Initial LE provided; exception resolved |
| 71000081 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | Credit | No Credit Findings | Resolved | 03/06/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000081 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/04/2026 | Property | No Property Findings | Resolved | 03/06/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000039 | XXXXX | XXX | XXX |  | XXX | FPRO9990 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/27/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Acknowledged | 03/27/2026 | 2 | Third Party Valuation Product Not Provided within XXX Tolerance |  |  |  |  |  | Closed | Acknowledged, accepting 2/B grading |
| 71000039 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | Credit | No Credit Findings | Resolved | 03/06/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000039 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/05/2026 | Property | No Property Findings | Resolved | 03/06/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000039 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/06/2026 | Compliance | No Compliance Findings | Resolved | 03/06/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000015 | XXXXX | XXX | XXX |  | XXX | FCRE1159 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged | 03/27/2026 | 2 | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Document Uploaded. |  |  |  | Closed | Acknowledged, accepting 2/B grading; Attestation by client that no events happened between the closing and start date of policy. the policy wasn't in place at closing but was established prior to our review. |
| 71000015 | XXXXX | XXX | XXX |  | XXX | FPRO9990 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Resolved | 03/18/2026 | 1 | Third Party Valuation Product Not Provided within XXX Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. |  |  |  | Closed | Third party valuation product provided within tolerance.; XXX Provided |
| 71000015 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | Compliance | No Compliance Findings | Resolved | 03/11/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000179 | XXXXX | XXX | XXX |  | XXX | FCOM3849 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Acknowledged | 03/13/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation and the 2nd document indicates the borrower chose to have the XXX day waiting period. Provide clarification and documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000179 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Property | No Property Findings | Resolved | 03/11/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000179 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Credit | No Credit Findings | Resolved | 03/11/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000113 | XXXXX | XXX | XXX |  | XXX | FCRE9785 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | Credit | Purchase Contract is Incomplete | Acknowledged | 03/14/2026 | 2 | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The sales price, earnest money deposit and seller concessions on the final Closing Disclosure do not match the purchase price. A contract addendum reflecting a sales price of XXX earnest money of XXX and seller concessions of XXX is required. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000113 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Property | No Property Findings | Resolved | 03/11/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000113 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | Compliance | No Compliance Findings | Resolved | 03/11/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000071 | XXXXX | XXX | XXX |  | XXX | FCRE1201 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Credit | Third Party Fraud Report not Provided | Resolved | 03/18/2026 | 1 | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud Report is required. | Document Uploaded. |  |  |  | Closed | Third Party Fraud Report is provided; Drive report provided |
| 71000071 | XXXXX | XXX | XXX |  | XXX | FCRE1206 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | Credit | All Interested Parties Not Checked with Exclusionary Lists | Resolved | 03/18/2026 | 1 | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. All Interested Parties Not Checked with Exclusionary Lists. |  |  |  |  | Closed | All Interested Parties Checked against Exclusionary Lists |
| 71000071 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Property | No Property Findings | Resolved | 03/12/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000071 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | Compliance | No Compliance Findings | Resolved | 03/12/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000115 | XXXXX | XXX | XXX |  | XXX | FCRE1437 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Credit | Income and Employment Do Not Meet Guidelines | Resolved | 03/25/2026 | 1 | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per AUS XXX bonus income verification is required. Only received XXX provide last paystub for XXX or WVOE for Borrower 1 employer (XXX). | Document Uploaded. |  |  |  | Closed | Income and Employment Meet Guidelines; Client provided XXX for the Borrower from XXX reflecting XXX Salary and XXX . LM Updated. |
| 71000115 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Property | No Property Findings | Resolved | 03/12/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000115 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | Compliance | No Compliance Findings | Resolved | 03/12/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000087 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Credit | No Credit Findings | Resolved | 03/12/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000087 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Property | No Property Findings | Resolved | 03/12/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000087 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | Compliance | No Compliance Findings | Resolved | 03/12/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000091 | XXXXX | XXX | XXX |  | XXX | finding-3634 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | Compliance | Charges That Cannot Increase Test | Cured | 03/30/2026 | 2 | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease 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). 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 increase from XXX to XXX for the appraisal fee increasing on CD XX/XX/XXXX. | Document Uploaded. |  |  |  | Closed | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B |
| 71000091 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Credit | No Credit Findings | Resolved | 03/12/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000091 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Property | No Property Findings | Resolved | 03/12/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000031 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Property | No Property Findings | Resolved | 03/12/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000031 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/11/2026 | Compliance | No Compliance Findings | Resolved | 03/12/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000031 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | Credit | No Credit Findings | Resolved | 03/12/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000009 | XXXXX | XXX | XXX |  | XXX | finding-3634 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Compliance | Charges That Cannot Increase Test | Resolved | 04/02/2026 | 1 | 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 XXX% tolerance violation is due to the addition of the Loan Origination Fee on the Final CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease 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). | fee response; Document Uploaded. ; Document Uploaded. |  |  |  | Closed | Valid COC provided; exception resolved; Valid COC provided; exception resolved; The LE provided at the time of COC shows the fee was disclosed as discount points which has as valid COC, however the fee name later changed to an origination fee without a valid reason. Those are considered XXX different fees for the purposes of testing, provide a valid COC for the addition of the origination fee on the final CD ; The LE provided at the time of COC shows the fee was disclosed as discount points but later changed to an origination fee. Those are considered XXX different fees for the purposes of testing, provide a valid COC for the addition of the origination fee |
| 71000009 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Property | No Property Findings | Resolved | 03/14/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000009 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Credit | No Credit Findings | Resolved | 03/14/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000013 | XXXXX | XXX | XXX |  | XXX | FCOM5135 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | Compliance | Missing Required Affiliated Business Disclosure | Acknowledged | 03/14/2026 | 2 | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The XXX for the lender is missing |  |  |  |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000013 | XXXXX | XXX | XXX |  | XXX | FCRE9785 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Credit | Purchase Contract is Incomplete | Acknowledged | 03/14/2026 | 2 | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The final Closing Disclosure (CD) reflects a seller credit of XXX that does not appear on the purchase contract. The XXX #XXX indicates a seller credit of XXX but the XXX #XXX indicates buyer and seller to pay their own fees. An addendum reflecting the XXX credit is required. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000013 | XXXXX | XXX | XXX |  | XXX | FCRE1483 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Credit | Asset 5 Does Not Meet Guideline Requirements | Resolved | 03/20/2026 | 1 | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements Borrower received gift funds in the amount of XXX File contains a gift letter indicating funds to be transferred at closing but the gift does not appear on the final Closing Disclosure. In addition, there is no evidence that the XXX was transferred to the borrower or to escrow. File does contain a wire receipt showing XXX was transferred from the borrower to escrow, but unable to determine if that is a reduced gift amount. The XXX gift must be documented according to FNMA guidelines. | Document Uploaded. Gift funds not being used and were removed from the AUS #XXX. Accounts updated |  |  |  | Closed | Asset 5 Meets Guideline Requirements Or Not Applicable; Client provided DU dated XX/XX/XXXX reflecting Gift funds being removed. Assets updated. |
| 71000013 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/10/2026 | Property | No Property Findings | Resolved | 03/14/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000175 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | Credit | No Credit Findings | Resolved | 03/14/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000175 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | Property | No Property Findings | Resolved | 03/14/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000175 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/12/2026 | Compliance | No Compliance Findings | Resolved | 03/14/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000107 | XXXXX | XXX | XXX |  | XXX | FCRE9785 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Credit | Purchase Contract is Incomplete | Acknowledged | 03/14/2026 | 2 | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Selling Price change to XXX from Initial XXX missing addendum on file. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading. |
| 71000107 | XXXXX | XXX | XXX |  | XXX | FCRE6636 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Credit | Missing Income - Award Letter | Resolved | 04/01/2026 | 1 | Missing Income - Award Letter | Missing a copy of the benefit verification letter, notice of award letter or equivalent documentation from the payor that provides and establishes these terms as documentation provided does not reflect the frequency of the distribution as IRA is newly established per guidelines. | Document Uploaded. The income does not come from a formal distribution or award, it is calculated using Agency-approved asset depletion guidelines.<br>Per the asset depletion worksheet, the borrower's net documented assets XX/XX/XXXX qualifying pension/retirement income = XXX months continuance.; Document Uploaded. Borrower was qualified using "asset depletion", please see attached worksheet. |  |  |  | Closed | Client States: The income does not come from a formal distribution or award, it is calculated using Agency-approved asset depletion guidelines. Per the asset depletion worksheet, the borrower's net documented assets XX/XX/XXXX qualifying pension/retirement income = XXX months continuance. LM Updated.; IRA Distribution is newly established missing a copy of the benefit verification letter, notice of award letter or equivalent documentation from the payor that provides and establishes these terms. documentation provided reflects XXX and that it is recurring, but documentation does not reflect how often; will condition for updated documentation reflecting how often borrower is to receive distribution. Asset depletion worksheet does not apply to the IRA distribution; asset depletion worksheet provided |
| 71000107 | XXXXX | XXX | XXX |  | XXX | FCRE1330 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Credit | Borrower 1 Paystubs Missing | Resolved | 03/25/2026 | 1 | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Missing current YTD paystub for XXX as documentation provided is missing both income and Year to Date income; per guidelines YTD paystub is required. | Document Uploaded. |  |  |  | Closed | Borrower 1 Paystubs Provided; VOE income provided |
| 71000107 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Compliance | No Compliance Findings | Resolved | 03/14/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000107 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Property | No Property Findings | Resolved | 03/14/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000003 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Compliance | No Compliance Findings | Resolved | 03/16/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000003 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Property | No Property Findings | Resolved | 03/16/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000003 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Credit | No Credit Findings | Resolved | 03/16/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000029 | XXXXX | XXX | XXX |  | XXX | FCOM1227 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Credit | PUD Rider is Missing | Resolved | 04/03/2026 | 1 | PUD Rider is Missing | PUD Rider is Missing U/W note: PUD Rider (Form XXX) is missing from the loan file. Provide the fully executed PUD Rider, signed and dated by all borrowers at time of closing. | Document Uploaded. |  |  |  | Closed | The PUD Rider is Present or is Not Applicable (Property Type is PUD); Corrected DOT adding PUD rider provided, evidence of recording. |
| 71000029 | XXXXX | XXX | XXX |  | XXX | FPRO9990 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Resolved | 03/20/2026 | 1 | Third Party Valuation Product Not Provided within XXX Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. |  |  |  | Closed | Third party valuation product provided within tolerance.; Client provided XXX. LM Updated. |
| 71000029 | XXXXX | XXX | XXX |  | XXX | FCRE1316 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved | 03/19/2026 | 1 | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing U/W note: 3rd party verbal/written VOE required for all employed borrowers prior to closing per XXX guidelines; condition remains open pending receipt. Underwriter to verify active employment status confirmed. | Document Uploaded. Email in file from XXX stating they are both active on XX/XX/XXXX |  |  |  | Closed | Borrower 1 3rd Party VOE Prior to Close Was Provided; VVOE XX/XX/XXXX |
| 71000029 | XXXXX | XXX | XXX |  | XXX | FCRE1347 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved | 03/19/2026 | 1 | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing U/W note: 3rd party verbal/written VOE required for all employed borrowers prior to closing per XXX guidelines; condition remains open pending receipt. Underwriter to verify active employment status confirmed. | Document Uploaded. Email in file from XXX stating they are both active on XX/XX/XXXX |  |  |  | Closed | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); VVOE provided XX/XX/XXXX |
| 71000029 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Compliance | No Compliance Findings | Resolved | 03/16/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000177 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Lender Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Compliance | No Compliance Findings | Resolved | 03/16/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000177 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Lender Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Property | No Property Findings | Resolved | 03/16/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000047 | XXXXX | XXX | XXX |  | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved | 03/20/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing current mortgage Statement or equivalent documentation or proof that the mortgage for property XXX has been paid in full and property is owned XXX as the most recent tax returns reflect mortgage interest and XXX indicates a mortgage recorded on XX/XX/XXXX with XXX in the amount of XXX as rental income appears to have been calculated as property is owned Free & Clear. Also fraud report does not shown any lien. | Document Uploaded. T&I were already provided |  |  |  | Closed | Client provided Property Detail report reflecting XXX Trust as the current owner of XXX and Evidence of Insurance for the same property. LM Updated. |
| 71000047 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Compliance | No Compliance Findings | Resolved | 03/16/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000047 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Property | No Property Findings | Resolved | 03/16/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000167 | XXXXX | XXX | XXX |  | XXX | finding-3652 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Compliance | Lender Credits That Cannot Decrease Test | Resolved | 03/25/2026 | 1 | Lender Credits That Cannot Decrease 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 lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX An updated rate lock confirmation was provided that indicated a DTI change, however, there was no date to determine if the disclosure timing requirements were met. This violation can be cured by providing a date of the pricing change and/or a valid COC. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. |  |  |  | Closed | Valid COC received - exception resolved; Valid COC received - exception resolved |
| 71000167 | XXXXX | XXX | XXX |  | XXX | FCRE1185 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Credit | AUS Partially Provided | Resolved | 03/20/2026 | 1 | AUS Partially Provided | AUS Partially Provided Please provide all pages of Submission XXX of AUS | Document Uploaded. AUS XXX in file |  |  |  | Closed | AUS is not incomplete; Client provided Full DU Submission XXX report. LM Updated. |
| 71000167 | XXXXX | XXX | XXX |  | XXX | FPRO1136 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/13/2026 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved | 03/20/2026 | 1 | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Missing form 1004D | Document Uploaded. 1004D XXX% completed |  |  |  | Closed | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Client provided 1004D for the subject property. LM Updated. |
| 71000027 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Property | No Property Findings | Resolved | 03/17/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational Only |
| 71000027 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Credit | No Credit Findings | Resolved | 03/17/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational Only |
| 71000027 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/16/2026 | Compliance | No Compliance Findings | Resolved | 03/17/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational Only |
| 71000021 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/17/2026 | Property | No Property Findings | Resolved | 03/18/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational Only |
| 71000021 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/17/2026 | Credit | No Credit Findings | Resolved | 03/18/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational Only |
| 71000021 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/17/2026 | Compliance | No Compliance Findings | Resolved | 03/18/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational Only |
| 71000193 | XXXXX | XXX | XXX |  | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved | 04/01/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX For this Property Tax and Insurance Document is missing in this Loan File | Document Uploaded. |  |  |  | Closed | Client provided HOI and Property Detail report for XXX . LM Updated. |
| 71000193 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Property | No Property Findings | Resolved | 03/19/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000193 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | No Compliance Findings | Resolved | 03/19/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000067 | XXXXX | XXX | XXX |  | XXX | FCOM9186 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | eSigned Documents Consent is Missing | Acknowledged | 03/20/2026 | 2 | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing for initial disclosures dated XX/XX/XXXX or prior. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading |
| 71000067 | XXXXX | XXX | XXX |  | XXX | finding-3652 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/17/2026 | Compliance | Lender Credits That Cannot Decrease Test | Resolved | 03/31/2026 | 1 | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Document Uploaded. |  |  |  | Closed | Initial LE provided; exception resolved; Initial LE provided; exception resolved |
| 71000067 | XXXXX | XXX | XXX |  | XXX | finding-3367 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/17/2026 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved | 03/31/2026 | 1 | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he 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); or The 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 XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. |  |  |  |  | Closed | Initial HOC provided; exception resolved; Initial HOC provided; exception resolved; Acknowledged, accepting 2/B grading; |
| 71000067 | XXXXX | XXX | XXX |  | XXX | finding-3634 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/17/2026 | Compliance | Charges That Cannot Increase Test | Resolved | 03/31/2026 | 1 | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease 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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Document Uploaded. |  |  |  | Closed | Initial LE provided; exception resolved; Initial LE provided; exception resolved |
| 71000067 | XXXXX | XXX | XXX |  | XXX | finding-3635 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/17/2026 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | Resolved | 03/31/2026 | 1 | Charges That In Total Cannot Increase More Than XXX Test | This loan failed the charges that in total cannot increase more than XXX% 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 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 §1026.19(e)(1)(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 §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE and Written List of Service Providers issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE and XXX is dated XX/XX/XXXX Please provide the initial LE and XXX issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Document Uploaded. |  |  |  | Closed | Initial LE provided; exception resolved; Initial LE provided; exception resolved |
| 71000067 | XXXXX | XXX | XXX |  | XXX | finding-3515 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/17/2026 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | Resolved | 03/31/2026 | 1 | Initial Loan Estimate Delivery Date Test (from application) | 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) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application. Therefore, if additional disclosures are entered into XXX, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. | Document Uploaded. The initial loan package |  |  |  | Closed | Initial LE provided; exception resolved; Initial LE provided; exception resolved |
| 71000067 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/17/2026 | Property | No Property Findings | Resolved | 03/19/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000067 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | No Credit Findings | Resolved | 03/19/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000131 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Credit | No Credit Findings | Resolved | 03/19/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000131 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Property | No Property Findings | Resolved | 03/19/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000131 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Compliance | No Compliance Findings | Resolved | 03/19/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000155 | XXXXX | XXX | XXX |  | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved | 03/30/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX - Tax proof of document is missing | Document Uploaded. |  |  |  | Closed | Client provided Property Detail report for XXX . LM Updated. |
| 71000155 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Property | No Property Findings | Resolved | 03/19/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000155 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Compliance | No Compliance Findings | Resolved | 03/19/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000187 | XXXXX | XXX | XXX |  | XXX | FCRE1201 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Credit | Third Party Fraud Report not Provided | Resolved | 03/30/2026 | 1 | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Fraud report is missing and is required per guidelines. | Document Uploaded. |  |  |  | Closed | Third Party Fraud Report is provided; Client provided Third Party Fraud Report. LM Updated. |
| 71000187 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Compliance | No Compliance Findings | Resolved | 03/19/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000187 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/19/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000163 | XXXXX | XXX | XXX |  | XXX | FCRE1491 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Resolved | 04/01/2026 | 1 | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing XXX #XXX Statement with assets totaling XXX and XXX #XXX with assets totaling XXX per Final 1003 |  |  |  |  | Closed | Client provided XXX Statement for accounts #XXX and #XXX. LM Updated.; Asset Qualification Meets Guideline Requirements. |
| 71000163 | XXXXX | XXX | XXX |  | XXX | FCRE3843 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | Guideline Seasoning not Met | Resolved | 04/01/2026 | 1 | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Missing XXX #XXX Statement with assets totaling XXX and XXX #XXX with assets totaling XXX per Final 1003 |  |  |  |  | Closed | Client provided XXX Statement for accounts #XXX and #XXX. LM Updated.; The required number of months reserves are to be seasoned does meet Guideline requirement. |
| 71000163 | XXXXX | XXX | XXX |  | XXX | FCRE1198 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved | 04/01/2026 | 1 | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Missing XXX #XXX Statement with assets totaling XXX and XXX #XXX with assets totaling XXX per Final 1003 |  |  |  |  | Closed | Client provided XXX Statement for accounts #XXX and #XXX. LM Updated.; Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) |
| 71000163 | XXXXX | XXX | XXX |  | XXX | FCRE9995 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved | 04/01/2026 | 1 | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of XXX Missing XXX #XXX Statement with assets totaling XXX and XXX #XXX with assets totaling XXX per Final 1003 | Document Uploaded. |  |  |  | Closed | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX Client provided XXX Statement for accounts #XXX and #XXX. LM Updated. |
| 71000163 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Property | No Property Findings | Resolved | 03/20/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000163 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | No Compliance Findings | Resolved | 03/20/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000137 | XXXXX | XXX | XXX |  | XXX | FCRE1206 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Credit | All Interested Parties Not Checked with Exclusionary Lists | Resolved | 03/30/2026 | 1 | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. |  |  |  |  | Closed | All Interested Parties Checked against Exclusionary Lists |
| 71000137 | XXXXX | XXX | XXX |  | XXX | FCRE1205 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Credit | OFAC Check Not Completed and/or Cleared | Resolved | 03/30/2026 | 1 | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared |  |  |  |  | Closed | XXX Check Completed and Cleared |
| 71000137 | XXXXX | XXX | XXX |  | XXX | FCRE1201 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Credit | Third Party Fraud Report not Provided | Resolved | 03/30/2026 | 1 | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. |  |  |  | Closed | Third Party Fraud Report is provided; Client provided Third Party Fraud Report for both Borrowers. LM Updated. |
| 71000137 | XXXXX | XXX | XXX |  | XXX | FCRE1360 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Credit | Borrower 2 Paystubs Missing | Resolved | 03/30/2026 | 1 | Borrower 2 Paystubs Missing | Borrower 2 Paystubs Missing | Document Uploaded. |  |  |  | Closed | Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals XXX); Client provided B2 Paystub dated XX/XX/XXXX. LM Updated. |
| 71000137 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Compliance | No Compliance Findings | Resolved | 03/20/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000059 | XXXXX | XXX | XXX |  | XXX | FPRO9990 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Resolved | 03/30/2026 | 1 | Third Party Valuation Product Not Provided within XXX Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing | Document Uploaded. |  |  |  | Closed | Third party valuation product provided within tolerance.; Client provided XXX and XXX. LM Updated. |
| 71000059 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/18/2026 | Credit | No Credit Findings | Resolved | 03/20/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000059 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Compliance | No Compliance Findings | Resolved | 03/20/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000135 | XXXXX | XXX | XXX |  | XXX | finding-3634 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | Charges That Cannot Increase Test | Resolved | 04/01/2026 | 1 | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease 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). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The file is missing a valid COC to support the following fee increase: - The loan amount increased from XXX with transfer taxes of XXX (pg. XXX), to XXX with transfer taxes of XXX (pg. XXX), on the initial CD dated, XX/XX/XXXX. The file is missing a valid COC, issued within XXX business days prior to the initial CD, dated XX/XX/XXXX, to support the increase of the loan amount and the transfer taxes. Please provide a COC that precedes the initial CD, and additional testing will be completed. | Document Uploaded. |  |  |  | Closed | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved |
| 71000135 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | No Credit Findings | Resolved | 03/23/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000135 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000093 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000093 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | No Compliance Findings | Resolved | 03/23/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000093 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Credit | No Credit Findings | Resolved | 03/23/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000143 | XXXXX | XXX | XXX |  | XXX | FPRO1136 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved | 04/02/2026 | 1 | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Appraisal Show Subject to Completion but 1004D Document is Missing | Document Uploaded. |  |  |  | Closed | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Client provided Appraisal Updated and/or Completion Report. LM Updated. |
| 71000143 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | No Credit Findings | Resolved | 03/23/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000143 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | No Compliance Findings | Resolved | 03/23/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000043 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000043 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | No Credit Findings | Resolved | 03/23/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000043 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | No Compliance Findings | Resolved | 03/23/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000063 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | No Credit Findings | Resolved | 03/23/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000063 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000063 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | No Compliance Findings | Resolved | 03/23/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000097 | XXXXX | XXX | XXX |  | XXX | FCRE1148 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | Title Coverage is Less than Subject Lien | Acknowledged | 03/23/2026 | 2 | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading |
| 71000097 | XXXXX | XXX | XXX |  | XXX | finding-47 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | TILA Right of Rescission Test | Resolved | 04/01/2026 | 1 | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-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) he 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. Documentation Required: The Disbursement date of XXX is the same date as the Cancel date on the XXX, proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, New XXX providing XXX days right to cancel. | Document Uploaded. |  |  |  | Closed | PCCD with updated disbursement date provided; exception resolved; PCCD with updated disbursement date provided; exception resolved |
| 71000097 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | No Credit Findings | Resolved | 03/23/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000097 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000153 | XXXXX | XXX | XXX |  | XXX | FCRE1764 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | Missing Verification of Mortgage | Resolved | 04/01/2026 | 1 | Missing Verification of Mortgage | XXX - The mortgage Statement/VOM is missing. Final 1003 Disclosed a mortgage, seems to be held privately by Individual XXX. | Document Uploaded. |  |  |  | Closed | Client provided Note, Payment history from XX/XX/XXXX through XX/XX/XXXX and XXX months bank Statements reflecting XXX, XXX making payments. LM Updated. |
| 71000153 | XXXXX | XXX | XXX |  | XXX | finding-3652 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | Lender Credits That Cannot Decrease Test | Resolved | 04/01/2026 | 1 | Lender Credits That Cannot Decrease 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 decrease from XXX to XXX for the Lender's Credit. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. |  |  |  | Closed | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved |
| 71000153 | XXXXX | XXX | XXX |  | XXX | finding-47 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Compliance | TILA Right of Rescission Test | Resolved | 04/01/2026 | 1 | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-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) he 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. Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the XXX listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new XXX providing XXX days right to cancel | Document Uploaded. |  |  |  | Closed | PCCD with updated disbursement date provided; exception resolved; PCCD with updated disbursement date provided; exception resolved |
| 71000153 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000079 | XXXXX | XXX | XXX |  | XXX | finding-3635 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | Cured | 04/01/2026 | 2 | Charges That In Total Cannot Increase More Than XXX Test | This loan failed the charges that in total cannot increase more than XXX% 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 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 §1026.19(e)(1)(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 §1026.19(e)(1)(vi). 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 XXX% tolerance violation in the amount of XXX is due to an increase from XXX to XXX for the mobile notary fee and an increase from XXX to XXX for the settlement or closing fee (all title fees paid to provider of lender). | Document Uploaded. |  |  |  | Closed | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B |
| 71000079 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000079 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | No Credit Findings | Resolved | 03/23/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000099 | XXXXX | XXX | XXX |  | XXX | FCRE7497 | XXXXX | Rate Term Refinance Borrower Initiation | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved | 03/31/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX- HOA XXX Supporting Doc is missing. | Document Uploaded. |  |  |  | Closed | Client provided email stating: For XXX , I am not locating the HOA amount either. The good new is that this is a XXX with XXX HOA Fees so we are actually hitting the DTI with a phantom HOA and the loan qualifies. Neither the XXX or XXX Schedule E identifies HOA dues and the XXX loan for XXX has an XXX explaining the XXX with no HOA (Uploaded in Underwriting-Misc folder). XXX identifies the property as a condo and does not list any HOA dues which supports the Schedule E and XXX. LM Updated. |
| 71000099 | XXXXX | XXX | XXX |  | XXX | FCRE1437 | XXXXX | Rate Term Refinance Borrower Initiation | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | Income and Employment Do Not Meet Guidelines | Resolved | 03/30/2026 | 1 | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing a XXX P&L/Balance sheet from XXX to support the borrowers XXX-XXX average income. Required due to the income used for qualifying is over XXX months old so will need to validate the self employment income is at previous levels. | Document Uploaded. The AUS Product Profile, Page XXX refers the user to the GSA/AUS for income requirements.<br> Per XXX, XX/XX/XXXX (attached) the XXX tax returns are acceptable and there is no requirement for a Profit & Loss statement. |  |  |  | Closed | Client provided Asset Depletion Income calculation. LM Updated.; Income and Employment Meet Guidelines |
| 71000099 | XXXXX | XXX | XXX |  | XXX | FCRE1296 | XXXXX | Rate Term Refinance Borrower Initiation | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | Income 5 Months Income Verified is Missing | Resolved | 03/30/2026 | 1 | Income 5 Months Income Verified is Missing | Income 5 Months Income Verified is Missing B2 Retirement XXX income doc is missing. Lender to provide an explanation and any additional documentation to support the income of XXX listed on the Final 1003. | Document Uploaded. |  |  |  | Closed | Client provided Asset Depletion Income calculation. LM Updated.; Income XXX Months Income Verified is Present Or Not Applicable |
| 71000099 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000099 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | No Compliance Findings | Resolved | 03/23/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000069 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000069 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Compliance | No Compliance Findings | Resolved | 03/23/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000069 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Credit | No Credit Findings | Resolved | 03/23/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000033 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000033 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | No Credit Findings | Resolved | 03/23/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000033 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Compliance | No Compliance Findings | Resolved | 03/23/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000157 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000157 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | No Credit Findings | Resolved | 03/23/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000157 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | No Compliance Findings | Resolved | 03/23/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000125 | XXXXX | XXX | XXX |  | XXX | FCRE1185 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Credit | AUS Partially Provided | Resolved | 04/01/2026 | 1 | AUS Partially Provided | AUS Partially Provided | Document Uploaded. |  |  |  | Closed | AUS is not incomplete.; Client provided Updated DU. LM Updated. |
| 71000125 | XXXXX | XXX | XXX |  | XXX | FCRE7497 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved | 04/01/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX - Tax cert is missing | Document Uploaded. |  |  |  | Closed | Client provided Property Detail report for XXX. LM Updated. |
| 71000125 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000125 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | No Compliance Findings | Resolved | 03/23/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000065 | XXXXX | XXX | XXX |  | XXX | FCRE1193 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | Audited DTI Exceeds Guideline DTI | Resolved | 04/01/2026 | 1 | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Missing lender income worksheet to verify income. lender did not account for HOA dues of XXX per monthnth in final XXX. |  |  |  |  | Closed | Client States: Document Uploaded. I agree we did not include the HOA dues. But before I fix that, I want to make sure you're comfortable with our qualifying income. Thanks! Agree with Calculation removed Schedule F income loss. DTI XXX%. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% |
| 71000065 | XXXXX | XXX | XXX |  | XXX | FCRE1186 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | Audited DTI Exceeds AUS DTI | Resolved | 04/01/2026 | 1 | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Missing lender income worksheet to verify income. lender did not account for HOA dues of XXX per monthnth in final XXX. | Document Uploaded. I agree we did not include the HOA dues. But before I fix that, I want to make sure you're comfortable with our qualifying income. Thanks! |  |  |  | Closed | Client States: Document Uploaded. I agree we did not include the HOA dues. But before I fix that, I want to make sure you're comfortable with our qualifying income. Thanks! Agree with Calculation removed Schedule F income loss. DTI XXX%. ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% |
| 71000065 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000065 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Compliance | No Compliance Findings | Resolved | 03/23/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000173 | XXXXX | XXX | XXX |  | XXX | FCOM3849 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Acknowledged | 03/23/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading |
| 71000173 | XXXXX | XXX | XXX |  | XXX | finding-3367 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved | 03/31/2026 | 1 | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he 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); or The 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 XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. |  |  |  |  | Closed | Initial HOC provided; exception resolved; Initial HOC provided; exception resolved; Acknowledged, accepting 2/B grading; |
| 71000173 | XXXXX | XXX | XXX |  | XXX | finding-3526 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved | 03/31/2026 | 1 | Revised Loan Estimate Delivery Date Test (prior to consummation) | 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) he 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; or The 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; or The 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. Without evidence of receipt, it is assumed that the revised disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation | Document Uploaded. |  |  |  | Closed | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved |
| 71000173 | XXXXX | XXX | XXX |  | XXX | finding-3634 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | Charges That Cannot Increase Test | Resolved | 03/31/2026 | 1 | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease 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). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of the Initial LE dated with XXX days of the initial application XX/XX/XXXX. | Document Uploaded. |  |  |  | Closed | Initial LE provided; exception resolved; Initial LE provided; exception resolved |
| 71000173 | XXXXX | XXX | XXX |  | XXX | finding-3635 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | Resolved | 03/31/2026 | 1 | Charges That In Total Cannot Increase More Than XXX Test | This loan failed the charges that in total cannot increase more than XXX% 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 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 §1026.19(e)(1)(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 §1026.19(e)(1)(vi). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of the Initial LE and Written List of Service Providers dated with XXX days of the initial application XX/XX/XXXX. | Document Uploaded. |  |  |  | Closed | Initial LE provided; exception resolved; Initial LE provided; exception resolved |
| 71000173 | XXXXX | XXX | XXX |  | XXX | finding-3515 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | Resolved | 03/31/2026 | 1 | Initial Loan Estimate Delivery Date Test (from application) | 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) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application. Therefore, if additional disclosures are entered into XXX, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per Mavent Compliance Report) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX | Document Uploaded. Initial loan XXX. |  |  |  | Closed | Initial LE provided; exception resolved; Initial LE provided; exception resolved |
| 71000173 | XXXXX | XXX | XXX |  | XXX | FCRE1316 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved | 03/30/2026 | 1 | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Verbal verification of employment for Borrower 1 is not in file. | Document Uploaded. |  |  |  | Closed | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided VVOE dated XX/XX/XXXX. LM Updated. |
| 71000173 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000139 | XXXXX | XXX | XXX |  | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved | 04/10/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Need real eState tax and HOA dues amounts for investment property located at XXX . Amount entered is taken from 1003. | Document Uploaded. ; Document Uploaded. |  |  |  | Closed | Client provided HOA Statement reflecting XXX per month. LM Updated.; Client provided Property Tax Statement for XXX . The client also provided XXX reflecting reoccurring payments to XXX. However, the Statement does not reflect the HOA amount. |
| 71000139 | XXXXX | XXX | XXX |  | XXX | FCRE1159 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged | 04/01/2026 | 2 | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Insurance policy effective date of XX/XX/XXXX is after the disbursement date of XX/XX/XXXX. Provide corrected insurance declaration page. | Document Uploaded. |  |  |  | Closed | Acknowledged, accepting 2/B grading; Client provided Letter of Attestation stating: XXX, hereby attest to the following: Between the dates of XX/XX/XXXX (Closing) and XX/XX/XXXX (effective date of insurance), XXX has not been notified or made aware of any insurance claims against the property by the consumer or applicable third party. As of XX/XX/XXXX the insurance policy became effective and remains in effect until its Stated expiration date of XX/XX/XXXX. LM Updated. |
| 71000139 | XXXXX | XXX | XXX |  | XXX | FCRE1474 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Credit | Asset 8 Missing | Resolved | 03/30/2026 | 1 | Asset 8 Missing | Asset 8 Missing Closing disclosure or settlement Statement required to confirm sale proceeds from sale of XXX. | Document Uploaded. Home did not sell, it was under contract and therefore omitted. |  |  |  | Closed | Asset 8 Provided Or Not Applicable; Client States: Document Uploaded. Home did not sell, it was under contract and therefore omitted. LM Updated. |
| 71000139 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Compliance | No Compliance Findings | Resolved | 03/23/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000139 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000049 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Credit | No Credit Findings | Resolved | 03/23/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000049 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/19/2026 | Property | No Property Findings | Resolved | 03/23/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000049 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Compliance | No Compliance Findings | Resolved | 03/23/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000161 | XXXXX | XXX | XXX |  | XXX | finding-3652 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Compliance | Lender Credits That Cannot Decrease Test | Resolved | 04/06/2026 | 1 | Lender Credits That Cannot Decrease 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 lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX A COC dated XX/XX/XXXX was provided but did not give a specific reason for the credit decrease. In addition, the file was missing any other evidence of pricing change/updated lock confirmation, etc. to support the reason for the credit decrease. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. We acknowledge the lender credits were ; Document Uploaded. ; Document Uploaded. |  |  |  | Closed | Valid COC provided; exception resolved; Valid COC provided; exception resolved; The lender credits increased again on the initial CD, then decreased on the revised CD. Provide COC for the decrease on the CD dated XX/XX/XXXX |
| 71000161 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Credit | No Credit Findings | Resolved | 03/24/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000161 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Property | No Property Findings | Resolved | 03/24/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000151 | XXXXX | XXX | XXX |  | XXX | FPRO9990 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Resolved | 03/31/2026 | 1 | Third Party Valuation Product Not Provided within XXX Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The Collateral Underwriter Risk Score is XXX Desk review and AVM in file greater than XXX% variance. | Document Uploaded. |  |  |  | Closed | Third party valuation product provided within tolerance.; Field review provided |
| 71000151 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Credit | No Credit Findings | Resolved | 03/24/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000151 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/24/2026 | Compliance | No Compliance Findings | Resolved | 03/24/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000165 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Credit | No Credit Findings | Resolved | 03/24/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000165 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Property | No Property Findings | Resolved | 03/24/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000165 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/22/2026 | Compliance | No Compliance Findings | Resolved | 03/24/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000083 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Credit | No Credit Findings | Resolved | 03/24/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000083 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Compliance | No Compliance Findings | Resolved | 03/24/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000083 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/24/2026 | Property | No Property Findings | Resolved | 03/24/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000197 | XXXXX | XXX | XXX |  | XXX | finding-3634 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Compliance | Charges That Cannot Increase Test | Resolved | 04/02/2026 | 1 | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX lease 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). 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 increase in XXX fee from XXX on Initial LE dated XX/XX/XXXX to XXX on Final CD dated XX/XX/XXXX without a COC. Cure provided on Final CD of XXX was applied to appraisal fee increase without a COC, remaining XXX cure applied to XXX fee leaving remaining cure due of XXX . | Document Uploaded. Escrow refunded borrower directly. Please see the documents provided |  |  |  | Closed | Lender provided XXX to show the XXX fee was not charged to the borrower at disbursement; exception resolved; Lender provided XXX to show the XXX fee was not charged to the borrower at disbursement; exception resolved |
| 71000197 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Credit | No Credit Findings | Resolved | 03/24/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000197 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Property | No Property Findings | Resolved | 03/24/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000189 | XXXXX | XXX | XXX |  | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/24/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Acknowledged | 03/26/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided (pg. XXX) indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading |
| 71000189 | XXXXX | XXX | XXX |  | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/20/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved | 03/30/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes for non-subject property. (XXX) | Document Uploaded. |  |  |  | Closed | Client provided Property Detail report for XXX reflecting XXX in annual property tax. LM Updated. |
| 71000189 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/24/2026 | Property | No Property Findings | Resolved | 03/24/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000159 | XXXXX | XXX | XXX |  | XXX | FCRE7497 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved | 04/02/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The XXX Transmittal Summary reflects the borrower is responsible for a XXX in monthly HOA Dues on the subject property, however missing verification of HOA Dues | Document Uploaded. |  |  |  | Closed | Client provided Updated XXX reflecting HOA removed. LM Updated. |
| 71000159 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Property | No Property Findings | Resolved | 03/25/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000159 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Compliance | No Compliance Findings | Resolved | 03/25/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000133 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Compliance | No Compliance Findings | Resolved | 03/25/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000133 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Credit | No Credit Findings | Resolved | 03/25/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000133 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Property | No Property Findings | Resolved | 03/25/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000145 | XXXXX | XXX | XXX |  | XXX | FCOM1851 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/24/2026 | Compliance | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Acknowledged | 04/24/2026 | 2 | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - XXX (New Creditor) used for Same Lender or Lender Affiliate Refinance The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (new advance of money with the same creditor). XXX was provided; because the property is located in XXX, XXX should have been used. | Acknowledged as 2/B; Document Uploaded. |  |  |  | Closed | ; Downgraded to a 2/B. XXX was provided; because the property is located in XXX the exception can be graded a B |
| 71000145 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Credit | No Credit Findings | Resolved | 03/25/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000145 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Property | No Property Findings | Resolved | 03/25/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000075 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Credit | No Credit Findings | Resolved | 03/25/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000075 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Property | No Property Findings | Resolved | 03/25/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000075 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/24/2026 | Compliance | No Compliance Findings | Resolved | 03/25/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000007 | XXXXX | XXX | XXX |  | XXX | FPRO0951 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/23/2026 | Property | Condo Approval Missing | Acknowledged | 03/26/2026 | 2 | Condo Approval Missing | Condo Approval Missing. Condo project manager is missing. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading |
| 71000007 | XXXXX | XXX | XXX |  | XXX | FCRE1185 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/25/2026 | Credit | AUS Partially Provided | Resolved | 04/02/2026 | 1 | AUS Partially Provided | AUS Partially Provided. DU submission #XXX is incomplete, please provide entire document. | Document Uploaded. |  |  |  | Closed | AUS is not incomplete.; Client provided Updated DU and XXX LM Updated. |
| 71000007 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/24/2026 | Compliance | No Compliance Findings | Resolved | 03/25/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000195 | XXXXX | XXX | XXX |  | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/25/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Acknowledged | 03/26/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading |
| 71000195 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/24/2026 | Property | No Property Findings | Resolved | 03/25/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000195 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/24/2026 | Credit | No Credit Findings | Resolved | 03/25/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000199 | XXXXX | XXX | XXX |  | XXX | FCRE1316 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved | 04/08/2026 | 1 | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. |  |  |  | Closed | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided WVOE Verified on XX/XX/XXXX. LM Updated. |
| 71000199 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/30/2026 | Property | No Property Findings | Resolved | 03/31/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000199 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Compliance | No Compliance Findings | Resolved | 03/31/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000127 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/30/2026 | Credit | No Credit Findings | Resolved | 04/01/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000127 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/30/2026 | Property | No Property Findings | Resolved | 04/01/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000127 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/01/2026 | Compliance | No Compliance Findings | Resolved | 04/01/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000119 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/30/2026 | Property | No Property Findings | Resolved | 04/01/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000119 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/30/2026 | Credit | No Credit Findings | Resolved | 04/01/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000119 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Compliance | No Compliance Findings | Resolved | 04/01/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000129 | XXXXX | XXX | XXX |  | XXX | finding-47 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Compliance | TILA Right of Rescission Test | Resolved | 04/10/2026 | 1 | TILA Right of Rescission Test | Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the XXX listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new XXX providing XXX days right to cancel. This loan failed the TILA right of rescission test losed-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) he 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. | Document Uploaded. |  |  |  | Closed | PCCD provided |
| 71000129 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/30/2026 | Credit | No Credit Findings | Resolved | 04/01/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000129 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/30/2026 | Property | No Property Findings | Resolved | 04/01/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000073 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/30/2026 | Property | No Property Findings | Resolved | 04/01/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000073 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/30/2026 | Credit | No Credit Findings | Resolved | 04/01/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000073 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Compliance | No Compliance Findings | Resolved | 04/01/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000061 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/30/2026 | Property | No Property Findings | Resolved | 04/01/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000061 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Compliance | No Compliance Findings | Resolved | 04/01/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000061 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/01/2026 | Credit | No Credit Findings | Resolved | 04/01/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000025 | XXXXX | XXX | XXX |  | XXX | finding-3551 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Compliance | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Resolved | 04/10/2026 | 1 | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v) he post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or: The post-consummation revised closing disclosure delivery date is more than XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; or The provided reimbursement date is more than XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. The PCCD cure (XX/XX/XXXX) for violation of tolerance/variation and the PCCD delivery date (XX/XX/XXXX) is more than XXX calendar days after the consummation date, or closing / settlement date of XX/XX/XXXX. | This was discovered on XX/XX/XXXX and redisclosed on XX/XX/XXXX; The cure provision under Section 130(b) of TILA provides a cure period of XXX days from discovery (see below). Accordingly, a cure cannot be effectuated under XXX if outside of XXX days from discovery.<br>(b) CORRECTION OF XXX.--A creditor or assignee has no liability under this section or section 108 or section 112 for any failure to comply with any requirement imposed under this chapter or chapter 5, if within sixty days after discovering an XXX, whether pursuant to a final written examination report or notice issued under section 108(e)(1) or through the creditor's or assignee's own procedures, and prior to the institution of an action under this section or the receipt of written notice of the XXX from the obligor, the creditor or assignee notifies the person concerned of the XXX and makes whatever adjustments in the appropriate account are necessary to assure that the person will not be required to pay an amount in excess of the charge actually disclosed, or the dollar equivalent of the annual percentage rate actually disclosed, whichever is lower. |  |  |  | Closed | discovery date provided, cure provided within XXX days; exception resolved; provide the discovery date to resolve |
| 71000025 | XXXXX | XXX | XXX |  | XXX | FCOM1544 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Compliance | TRID: Missing Closing Disclosure | Resolved | 04/10/2026 | 1 | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Final CD signed by the borrower at closing is missing from the file. | Document Uploaded. |  |  |  | Closed | TRID: Final Closing Disclosure Provided |
| 71000025 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Credit | No Credit Findings | Resolved | 03/31/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000025 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Property | No Property Findings | Resolved | 03/31/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000019 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Credit | No Credit Findings | Resolved | 04/02/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000019 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Property | No Property Findings | Resolved | 04/02/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000019 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/01/2026 | Compliance | No Compliance Findings | Resolved | 04/02/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000141 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Credit | No Credit Findings | Resolved | 04/02/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000141 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Property | No Property Findings | Resolved | 04/02/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000141 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/01/2026 | Compliance | No Compliance Findings | Resolved | 04/02/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000045 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Credit | No Credit Findings | Resolved | 04/02/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000045 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 03/31/2026 | Property | No Property Findings | Resolved | 04/02/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000045 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/01/2026 | Compliance | No Compliance Findings | Resolved | 04/02/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000181 | XXXXX | XXX | XXX |  | XXX | FPRO9990 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Resolved | 04/08/2026 | 1 | Third Party Valuation Product Not Provided within XXX Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score XX/XX/XXXX AVM on file dated XX/XX/XXXX is earlier than Appraisal Date XX/XX/XXXX | Document Uploaded. |  |  |  | Closed | Third party valuation product provided within tolerance.; Client provided XXX. LM Updated. |
| 71000181 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Credit | No Credit Findings | Resolved | 04/06/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000181 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | No Compliance Findings | Resolved | 04/06/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000103 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Credit | No Credit Findings | Resolved | 04/06/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000103 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Property | No Property Findings | Resolved | 04/06/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000103 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/03/2026 | Compliance | No Compliance Findings | Resolved | 04/06/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000169 | XXXXX | XXX | XXX |  | XXX | FCRE6737 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Credit | Missing Letter of Explanation (Income) | Resolved | 04/13/2026 | 1 | Missing Letter of Explanation (Income) | B1's business, XXX is located in XXX and the subject primary is located in XXX, XXX. The loan file contained a letter of explanation reflecting the business will be staying in XXX until XX/XX/XXXX. The letter also States current employees work primarily on a remote basis with very few client meetings at the physical office as few clients are actually in the XXX . After the lease expiration the official business address will most likely move to XXX. B1 to provide a more detailed letter. Does B1 work in the XXX? If so, how will B1 work in XXX when moving to XXX? Is income expected to stay consistent once business relocates to XXX? | I acknowledge the reviewer's comments, however, I feel that the letter provided answers all the questions. As indicated, few people work in the physical office. Because few people actually work in the office it's unlikely they have regular customer interaction. The business move a year from now is out of scope for the review. |  |  |  | Closed | Client States: I acknowledge the reviewer's comments, however, I feel that the letter provided answers all the questions. As indicated, few people work in the physical office. Because few people actually work in the office it's unlikely they have regular customer interaction. The business move a year from now is out of scope for the review. |
| 71000169 | XXXXX | XXX | XXX |  | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved | 04/08/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing current tax Statement confirming a monthly payment of XXX for the property located at XXX . The loan file contained Page XXX of XXX of the Statement labeled as XXX Real Property Notice of Assessment for the tax year XX/XX/XXXX to XX/XX/XXXX. | Document Uploaded. |  |  |  | Closed | Client provided XXX Detail report for XXX , XXX LM Updated. |
| 71000169 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Property | No Property Findings | Resolved | 04/06/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000169 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/03/2026 | Compliance | No Compliance Findings | Resolved | 04/06/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000085 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Property | No Property Findings | Resolved | 04/06/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000085 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Credit | No Credit Findings | Resolved | 04/06/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000085 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/03/2026 | Compliance | No Compliance Findings | Resolved | 04/06/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000183 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Credit | No Credit Findings | Resolved | 04/06/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000183 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Property | No Property Findings | Resolved | 04/06/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000183 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | No Compliance Findings | Resolved | 04/06/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000035 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Property | No Property Findings | Resolved | 04/06/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000035 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Credit | No Credit Findings | Resolved | 04/06/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000035 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | No Compliance Findings | Resolved | 04/06/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000011 | XXXXX | XXX | XXX |  | XXX | FCOM5135 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/03/2026 | Compliance | Missing Required Affiliated Business Disclosure | Acknowledged | 04/07/2026 | 2 | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide missing Affiliated Business Disclosure. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading |
| 71000011 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Property | No Property Findings | Resolved | 04/06/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000011 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Credit | No Credit Findings | Resolved | 04/06/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000051 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Credit | No Credit Findings | Resolved | 04/06/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000051 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Property | No Property Findings | Resolved | 04/06/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000051 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | No Compliance Findings | Resolved | 04/06/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000089 | XXXXX | XXX | XXX |  | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/03/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Acknowledged | 04/07/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX. The Appraisal Acknowledgment on Page XXX is not an acceptable document for proof of appraisal delivery to the borrower. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading |
| 71000089 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Property | No Property Findings | Resolved | 04/06/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000089 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/02/2026 | Credit | No Credit Findings | Resolved | 04/06/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000077 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/03/2026 | Property | No Property Findings | Resolved | 04/08/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000077 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/03/2026 | Credit | No Credit Findings | Resolved | 04/08/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000077 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | No Compliance Findings | Resolved | 04/08/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000123 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Credit | No Credit Findings | Resolved | 04/08/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000123 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Property | No Property Findings | Resolved | 04/08/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000123 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | No Compliance Findings | Resolved | 04/08/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000023 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Credit | No Credit Findings | Resolved | 04/08/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000023 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Property | No Property Findings | Resolved | 04/08/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000023 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | No Compliance Findings | Resolved | 04/08/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000053 | XXXXX | XXX | XXX |  | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Acknowledged | 04/07/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grade |
| 71000053 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Property | No Property Findings | Resolved | 04/08/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000053 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Credit | No Credit Findings | Resolved | 04/08/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000111 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | No Compliance Findings | Resolved | 04/08/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000111 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Property | No Property Findings | Resolved | 04/08/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000111 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/07/2026 | Credit | No Credit Findings | Resolved | 04/08/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000055 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Property | No Property Findings | Resolved | 04/08/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000055 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Credit | No Credit Findings | Resolved | 04/08/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000055 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | No Compliance Findings | Resolved | 04/08/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000017 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | No Compliance Findings | Resolved | 04/08/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000017 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Credit | No Credit Findings | Resolved | 04/08/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000017 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Property | No Property Findings | Resolved | 04/08/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000121 | XXXXX | XXX | XXX |  | XXX | FCOM5135 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | Missing Required Affiliated Business Disclosure | Acknowledged | 04/07/2026 | 2 | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grade |
| 71000121 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Credit | No Credit Findings | Resolved | 04/08/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000121 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Property | No Property Findings | Resolved | 04/08/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000147 | XXXXX | XXX | XXX |  | XXX | FCOM5135 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | Missing Required Affiliated Business Disclosure | Acknowledged | 04/07/2026 | 2 | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grade |
| 71000147 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Credit | No Credit Findings | Resolved | 04/08/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000147 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Property | No Property Findings | Resolved | 04/08/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000185 | XXXXX | XXX | XXX |  | XXX | FCRE9995 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved | 04/11/2026 | 1 | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of XXX Audited Reserves of XXX are less than Guideline Required Reserves of XXX . | Document Uploaded. |  |  |  | Closed | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX Client provided Business Bank Statements for XXX. LM Updated. |
| 71000185 | XXXXX | XXX | XXX |  | XXX | FCRE1148 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/03/2026 | Credit | Title Coverage is Less than Subject Lien | Acknowledged | 04/07/2026 | 2 | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grade |
| 71000185 | XXXXX | XXX | XXX |  | XXX | FCOM5135 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Compliance | Missing Required Affiliated Business Disclosure | Acknowledged | 04/07/2026 | 2 | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grade |
| 71000185 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/07/2026 | Property | No Property Findings | Resolved | 04/08/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000171 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Credit | No Credit Findings | Resolved | 04/08/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000171 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Property | No Property Findings | Resolved | 04/08/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000171 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/07/2026 | Compliance | No Compliance Findings | Resolved | 04/08/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000105 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/08/2026 | Property | No Property Findings | Resolved | 04/09/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000105 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/08/2026 | Compliance | No Compliance Findings | Resolved | 04/09/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000191 | XXXXX | XXX | XXX |  | XXX | FPRO9990 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Resolved | 04/13/2026 | 1 | Third Party Valuation Product Not Provided within XXX Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA UCDP score of XX/XX/XXXX not within tolerance. | Document Uploaded. |  |  |  | Closed | Third party valuation product provided within tolerance.; Client provided XXX. LM Updated. |
| 71000191 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/06/2026 | Credit | No Credit Findings | Resolved | 04/09/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000191 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/08/2026 | Compliance | No Compliance Findings | Resolved | 04/09/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000001 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/07/2026 | Credit | No Credit Findings | Resolved | 04/09/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000001 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/07/2026 | Property | No Property Findings | Resolved | 04/09/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000001 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/08/2026 | Compliance | No Compliance Findings | Resolved | 04/09/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000149 | XXXXX | XXX | XXX |  | XXX | FPRO9990 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/07/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Resolved | 04/11/2026 | 1 | Third Party Valuation Product Not Provided within XXX Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. |  |  |  | Closed | Client provided XXX. LM Updated.; Third party valuation product provided within tolerance. |
| 71000149 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/07/2026 | Credit | No Credit Findings | Resolved | 04/09/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000149 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/07/2026 | Property | No Property Findings | Resolved | 04/09/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000149 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/08/2026 | Compliance | No Compliance Findings | Resolved | 04/09/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000072 | XXXXX | XXX | XXX |  | XXX | FCRE1185 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/07/2026 | Credit | AUS Partially Provided | Resolved | 04/13/2026 | 1 | AUS Partially Provided | AUS Partially Provided. AUS Partially Provided. | Document Uploaded. |  |  |  | Closed | AUS is not incomplete.; Client provided Complete DU dated XX/XX/XXXX submission XXX and XXX LM Updated. |
| 71000072 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/07/2026 | Property | No Property Findings | Resolved | 04/09/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000072 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/08/2026 | Compliance | No Compliance Findings | Resolved | 04/09/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000051 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/07/2026 | Credit | No Credit Findings | Resolved | 04/09/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000051 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/07/2026 | Property | No Property Findings | Resolved | 04/09/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000051 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/08/2026 | Compliance | No Compliance Findings | Resolved | 04/09/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000030 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/08/2026 | Property | No Property Findings | Resolved | 04/09/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 71000030 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/08/2026 | Credit | No Credit Findings | Resolved | 04/09/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000030 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/08/2026 | Compliance | No Compliance Findings | Resolved | 04/09/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 71000009 | XXXXX | XXX | XXX |  | XXX | finding-3367 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/09/2026 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Acknowledged | 04/10/2026 | 2 | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he 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); or The 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 XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata 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 Sunday As not being open on Saturday PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile Page XXX 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. The HOC disclosure issued XX/XX/XXXX was not provided at least XXX days after the application date of XX/XX/XXXX. Please provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application XX/XX/XXXX. |  |  |  |  | Closed | Acknowledged, accepting 2/B grading |
| 71000009 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/09/2026 | Credit | No Credit Findings | Resolved | 04/10/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 71000009 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/09/2026 | Property | No Property Findings | Resolved | 04/10/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 70999988 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/09/2026 | Property | No Property Findings | Resolved | 04/10/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 70999988 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/09/2026 | Credit | No Credit Findings | Resolved | 04/10/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 70999988 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/09/2026 | Compliance | No Compliance Findings | Resolved | 04/10/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |
| 70999967 | XXXXX | XXX | XXX |  | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/10/2026 | Credit | No Credit Findings | Resolved | 04/10/2026 | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Closed | Informational |
| 70999967 | XXXXX | XXX | XXX |  | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/10/2026 | Property | No Property Findings | Resolved | 04/10/2026 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Closed | Informational |
| 70999967 | XXXXX | XXX | XXX |  | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | $XXXXXX | Loan Review Complete | 04/10/2026 | Compliance | No Compliance Findings | Resolved | 04/10/2026 | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Closed | Informational |

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## Exhibit 99.3

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **GS_LOAN_NUMBER** | **Investor Loan Number** | **EXCEPTIONID** | **EXCEPTIONIDDATE** | **CONDITIONCATEGORY** | **CONDITIONSTANDARDIZEDDESCRIPTION** | **EXCEPTIONCHOSEN** | **EDITEDEXCEPTION** | **COMPENSATINGFACTORS** | **FOLLOW-UPCOMMENTS** | **STATUS** | **CLEAREDDATE** | **OVERRIDEDATE** | **EXCEPTIONLEVELGRADE** | **COMPLETEDATE** | **OUTSIDEQCDATE** | **NOTEDATE** | **PROPERTYSTATE** | **OCCUPANCY** | **PURPOSE** |
| 71000109 | XXXXX | 7473602 | 02/05/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 02/05/2026 |  | 1 | 02/05/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000109 | XXXXX | 7498516 | 02/06/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 02/06/2026 |  | 1 | 02/06/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000109 | XXXXX | 7498777 | 02/06/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 02/06/2026 |  | 1 | 02/06/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000041 | XXXXX | 7639524 | 02/16/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file was missing the property taxes for the property located at XXX and missing HOA for the following properties: XXX, XXX, XXX, XXX. | The loan file was missing the property taxes for the property located at XXX and missing HOA for the following properties: XXX, XXX, XXX, XXX. |  |  | Resolved | 02/16/2026 |  | 1 | 02/16/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000041 | XXXXX | 7639137 | 02/16/2026 | Credit | Missing Credit Report Supplement | The credit report, dated XX/XX/XXXX reflected an XXX inquiry on XX/XX/XXXX . The loan file contained the borrower's letter of explanation along with a processor cert explaining a new account was obtained. The loan file did not have a credit supplement or a copy of the new statement for the new account. | The credit report, dated XX/XX/XXXX reflected an XXX inquiry on XX/XX/XXXX . The loan file contained the borrower's letter of explanation along with a processor cert explaining a new account was obtained. The loan file did not have a credit supplement or a copy of the new statement for the new account. |  |  | Resolved | 02/16/2026 |  | 1 | 02/16/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000041 | XXXXX | 7639443 | 02/16/2026 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements |  |  | Resolved | 02/16/2026 |  | 1 | 02/16/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000041 | XXXXX | 7656676 | 02/17/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 02/17/2026 |  | 1 | 02/17/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000041 | XXXXX | 7661377 | 02/17/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 02/17/2026 |  | 1 | 02/17/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000095 | XXXXX | 7800763 | 02/25/2026 | Property | Property/Appraisal General | Property/Appraisal guideline violation: | Property/Appraisal guideline violation: |  |  | Resolved | 02/25/2026 |  | 1 | 02/25/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000095 | XXXXX | 7753146 | 02/23/2026 | Credit | No evidence of required debt payoff | The borrower's XXX personal tax returns shows taxes owed in the amount of XXX Lender's TPO guidelines indicate that either validation the taxes have been paid, or proof of an IRS repayment plan, may be required. There is no evidence in the file that either option has been met. | The borrower's XXX personal tax returns shows taxes owed in the amount of XXX Lender's TPO guidelines indicate that either validation the taxes have been paid, or proof of an IRS repayment plan, may be required. There is no evidence in the file that either option has been met. |  |  | Resolved | 02/23/2026 |  | 1 | 02/23/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000095 | XXXXX | 7785305 | 02/24/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 02/24/2026 |  | 1 | 02/24/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000101 | XXXXX | 7789566 | 02/25/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000101 | XXXXX | 7789519 | 02/25/2026 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing | HOA Questionnaire Missing |  |  | Resolved | 02/25/2026 |  | 1 | 02/25/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000101 | XXXXX | 7789696 | 02/25/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide HOI, Taxes and HOA if applicable along with monthly mortgage statement. Additional documentation may be applicable (XXX) | Please provide HOI, Taxes and HOA if applicable along with monthly mortgage statement. Additional documentation may be applicable (XXX) |  |  | Resolved | 02/25/2026 |  | 1 | 02/25/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000101 | XXXXX | 7802524 | 02/25/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 02/25/2026 |  | 1 | 02/25/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000117 | XXXXX | 7802030 | 02/25/2026 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Required Affiliated Business Disclosure Missing |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000117 | XXXXX | 7804493 | 02/25/2026 | Credit | Missing income documentation | The borrower provided the Systematic withdrawal request for XXX for the monthly income of XXX The document was missing page XXX. | The borrower provided the Systematic withdrawal request for XXX for the monthly income of XXX The document was missing page XXX. |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000117 | XXXXX | 7802040 | 02/25/2026 | Compliance | Charges That In Total Cannot Increase More Than 10% Test |  |  |  |  | Resolved | 02/25/2026 |  | 1 | 02/25/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000117 | XXXXX | 7804832 | 02/25/2026 | Credit | Missing explanation and supporting documentation for large deposit(s) | The borrower provided XXX account number XXX for XX/XX/XXXX . This statement was used for the partial earnest money deposit of XXX The loan file is missing the supporting documentation for the source of funds deposited which were used for earnest money. | The borrower provided XXX account number XXX for XX/XX/XXXX . This statement was used for the partial earnest money deposit of XXX The loan file is missing the supporting documentation for the source of funds deposited which were used for earnest money. |  |  | Resolved | 02/25/2026 |  | 1 | 02/25/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000117 | XXXXX | 7804708 | 02/25/2026 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements |  |  | Resolved | 02/25/2026 |  | 1 | 02/25/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000117 | XXXXX | 7804450 | 02/25/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 02/25/2026 |  | 1 | 02/25/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000005 | XXXXX | 7900993 | 03/03/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/03/2026 |  | 1 | 03/03/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000005 | XXXXX | 7901002 | 03/03/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/03/2026 |  | 1 | 03/03/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000005 | XXXXX | 7908850 | 03/03/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/03/2026 |  | 1 | 03/03/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000057 | XXXXX | 7927182 | 03/04/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000057 | XXXXX | 7927201 | 03/04/2026 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |  |  |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000057 | XXXXX | 7927202 | 03/04/2026 | Compliance | Charges That In Total Cannot Increase More Than 10% Test |  |  |  |  | Resolved | 03/04/2026 |  | 1 | 03/04/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000057 | XXXXX | 7883358 | 03/02/2026 | Credit | Title Document Missing | Title Document is missing | Title Document is missing |  |  | Resolved | 03/02/2026 |  | 1 | 03/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000057 | XXXXX | 7883355 | 03/02/2026 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy | Missing Hazard Insurance Policy |  |  | Resolved | 03/02/2026 |  | 1 | 03/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000057 | XXXXX | 7909739 | 03/04/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/04/2026 |  | 1 | 03/04/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000037 | XXXXX | 7980876 | 03/06/2026 | Compliance | Charges That Cannot Increase Test |  |  |  |  | Resolved | 03/06/2026 |  | 1 | 03/06/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000081 | XXXXX | 7948511 | 03/05/2026 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |  |  |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000081 | XXXXX | 7948510 | 03/05/2026 | Compliance | Lender Credits That Cannot Decrease Test |  |  |  |  | Resolved | 03/05/2026 |  | 1 | 03/05/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000081 | XXXXX | 7948512 | 03/05/2026 | Compliance | Charges That Cannot Increase Test |  |  |  |  | Resolved | 03/05/2026 |  | 1 | 03/05/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000081 | XXXXX | 7948513 | 03/05/2026 | Compliance | Charges That In Total Cannot Increase More Than 10% Test |  |  |  |  | Resolved | 03/05/2026 |  | 1 | 03/05/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000081 | XXXXX | 7948514 | 03/05/2026 | Compliance | Initial Loan Estimate Delivery Date Test (from application) |  |  |  |  | Resolved | 03/05/2026 |  | 1 | 03/05/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000081 | XXXXX | 7926875 | 03/04/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/04/2026 |  | 1 | 03/04/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000081 | XXXXX | 7926918 | 03/04/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/04/2026 |  | 1 | 03/04/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000039 | XXXXX | 8357225 | 03/27/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance |  |  |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000039 | XXXXX | 7941523 | 03/05/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/05/2026 |  | 1 | 03/05/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000039 | XXXXX | 7941525 | 03/05/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/05/2026 |  | 1 | 03/05/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000039 | XXXXX | 7970343 | 03/06/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/06/2026 |  | 1 | 03/06/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000015 | XXXXX | 8013547 | 03/10/2026 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000015 | XXXXX | 8021791 | 03/10/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000015 | XXXXX | 8049750 | 03/11/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/11/2026 |  | 1 | 03/11/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000179 | XXXXX | 8053939 | 03/11/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000179 | XXXXX | 8017423 | 03/10/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000179 | XXXXX | 8017473 | 03/10/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000113 | XXXXX | 8049816 | 03/11/2026 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but XXX is Incomplete | Loan Purpose is Purchase but XXX is Incomplete |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000113 | XXXXX | 8015940 | 03/10/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000113 | XXXXX | 8042779 | 03/11/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/11/2026 |  | 1 | 03/11/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000071 | XXXXX | 8026210 | 03/10/2026 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Missing Third Party Fraud Report |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000071 | XXXXX | 8043596 | 03/11/2026 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. | All Interested Parties Not Checked with Exclusionary Lists. |  |  | Resolved | 03/11/2026 |  | 1 | 03/11/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000071 | XXXXX | 8027077 | 03/10/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000071 | XXXXX | 8067236 | 03/12/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/12/2026 |  | 1 | 03/12/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000115 | XXXXX | 8031877 | 03/10/2026 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000115 | XXXXX | 8017182 | 03/10/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000115 | XXXXX | 8066761 | 03/12/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/12/2026 |  | 1 | 03/12/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000087 | XXXXX | 8025269 | 03/10/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000087 | XXXXX | 8025270 | 03/10/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000087 | XXXXX | 8055346 | 03/11/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/11/2026 |  | 1 | 03/11/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000091 | XXXXX | 8058330 | 03/11/2026 | Compliance | Charges That Cannot Increase Test |  |  |  |  | Cured | 03/11/2026 |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000091 | XXXXX | 8028796 | 03/10/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000091 | XXXXX | 8028828 | 03/10/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000031 | XXXXX | 8012873 | 03/10/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000031 | XXXXX | 8058565 | 03/11/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/11/2026 |  | 1 | 03/11/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000031 | XXXXX | 8077333 | 03/12/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/12/2026 |  | 1 | 03/12/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000009 | XXXXX | 8100106 | 03/13/2026 | Compliance | Charges That Cannot Increase Test |  |  |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000009 | XXXXX | 8024716 | 03/10/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000009 | XXXXX | 8100970 | 03/13/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000013 | XXXXX | 8076487 | 03/12/2026 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Required Affiliated Business Disclosure Missing |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000013 | XXXXX | 8092660 | 03/13/2026 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000013 | XXXXX | 8093242 | 03/13/2026 | Credit | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000013 | XXXXX | 8023583 | 03/10/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/10/2026 |  | 1 | 03/10/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000175 | XXXXX | 8070459 | 03/12/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/12/2026 |  | 1 | 03/12/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000175 | XXXXX | 8070468 | 03/12/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/12/2026 |  | 1 | 03/12/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000175 | XXXXX | 8074375 | 03/12/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/12/2026 |  | 1 | 03/12/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000107 | XXXXX | 8107632 | 03/13/2026 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000107 | XXXXX | 8105872 | 03/13/2026 | Credit | Missing Income - Award Letter | Missing a copy of the benefit verification letter, notice of award letter or equivalent documentation from the payor that provides and establishes these terms as documentation provided does not reflect the frequency of the distribution as IRA is newly established per guidelines.  | Missing a copy of the benefit verification letter, notice of award letter or equivalent documentation from the payor that provides and establishes these terms as documentation provided does not reflect the frequency of the distribution as IRA is newly established per guidelines.  |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000107 | XXXXX | 8104234 | 03/13/2026 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000107 | XXXXX | 8097189 | 03/13/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000107 | XXXXX | 8105829 | 03/13/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000003 | XXXXX | 8096911 | 03/13/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000003 | XXXXX | 8129538 | 03/16/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000003 | XXXXX | 8129547 | 03/16/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000029 | XXXXX | 8089342 | 03/13/2026 | Credit | PUD Rider is Missing | PUD Rider is Missing | PUD Rider is Missing |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000029 | XXXXX | 8133870 | 03/16/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000029 | XXXXX | 8089331 | 03/13/2026 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000029 | XXXXX | 8089333 | 03/13/2026 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000029 | XXXXX | 8129720 | 03/16/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000177 | XXXXX | 8107455 | 03/13/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Lender Initiation |
| 71000177 | XXXXX | 8137185 | 03/16/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Lender Initiation |
| 71000047 | XXXXX | 8129455 | 03/16/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing current mortgage statement or equivalent documentation or proof that the mortgage for property XXX has been paid in full and property is owned Free and Clear as the most recent tax returns reflect mortgage interest and XXX indicates a mortgage recorded on XX/XX/XXXX with XXX in the amount of XXX. Also fraud report does not shown any lien. <br>| Missing current mortgage statement or equivalent documentation or proof that the mortgage for property XXX has been paid in full and property is owned Free and Clear as the most recent tax returns reflect mortgage interest and XXX indicates a mortgage recorded on XX/XX/XXXX with XXX in the amount of XXX. Also fraud report does not shown any lien. <br>|  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000047 | XXXXX | 8126836 | 03/16/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000047 | XXXXX | 8129475 | 03/16/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000167 | XXXXX | 8128432 | 03/16/2026 | Compliance | Lender Credits That Cannot Decrease Test |  |  |  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000167 | XXXXX | 8131104 | 03/16/2026 | Credit | AUS Partially Provided | AUS Partially Provided | AUS Partially Provided |  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000167 | XXXXX | 8090059 | 03/13/2026 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis | Primary Value Subject Property Appraisal is not on an As-Is Basis |  |  | Resolved | 03/13/2026 |  | 1 | 03/13/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000027 | XXXXX | 8125420 | 03/16/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000027 | XXXXX | 8125422 | 03/16/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000027 | XXXXX | 8127415 | 03/16/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/16/2026 |  | 1 | 03/16/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000021 | XXXXX | 8148879 | 03/17/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/17/2026 |  | 1 | 03/17/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000021 | XXXXX | 8148883 | 03/17/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/17/2026 |  | 1 | 03/17/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000021 | XXXXX | 8163819 | 03/17/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/17/2026 |  | 1 | 03/17/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000193 | XXXXX | 8191625 | 03/18/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX For this Property Tax and Insurance Document is missing in this Loan File | XXX For this Property Tax and Insurance Document is missing in this Loan File |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000193 | XXXXX | 8191657 | 03/18/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000193 | XXXXX | 8218465 | 03/19/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000067 | XXXXX | 8212604 | 03/19/2026 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. | The eSigned consent disclosure is missing. |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000067 | XXXXX | 8165537 | 03/17/2026 | Compliance | Lender Credits That Cannot Decrease Test |  |  |  |  | Resolved | 03/17/2026 |  | 1 | 03/17/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000067 | XXXXX | 8165538 | 03/17/2026 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |  |  |  |  | Resolved | 03/17/2026 |  | 1 | 03/17/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000067 | XXXXX | 8165539 | 03/17/2026 | Compliance | Charges That Cannot Increase Test |  |  |  |  | Resolved | 03/17/2026 |  | 1 | 03/17/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000067 | XXXXX | 8165540 | 03/17/2026 | Compliance | Charges That In Total Cannot Increase More Than 10% Test |  |  |  |  | Resolved | 03/17/2026 |  | 1 | 03/17/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000067 | XXXXX | 8165541 | 03/17/2026 | Compliance | Initial Loan Estimate Delivery Date Test (from application) |  |  |  |  | Resolved | 03/17/2026 |  | 1 | 03/17/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000067 | XXXXX | 8161602 | 03/17/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/17/2026 |  | 1 | 03/17/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000067 | XXXXX | 8222089 | 03/19/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000131 | XXXXX | 8183613 | 03/18/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000131 | XXXXX | 8183614 | 03/18/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000131 | XXXXX | 8197668 | 03/18/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000155 | XXXXX | 8179649 | 03/18/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX - Tax proof of document is missing | XXX - Tax proof of document is missing |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000155 | XXXXX | 8179693 | 03/18/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000155 | XXXXX | 8184160 | 03/18/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000187 | XXXXX | 8182120 | 03/18/2026 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Missing Third Party Fraud Report |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000187 | XXXXX | 8193557 | 03/18/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000187 | XXXXX | 8214694 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000163 | XXXXX | 8190378 | 03/18/2026 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000163 | XXXXX | 8209651 | 03/19/2026 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. | The required number of months reserves are to be seasoned does not meet Guideline requirement. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000163 | XXXXX | 8189371 | 03/18/2026 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) | Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000163 | XXXXX | 8189370 | 03/18/2026 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX. | Audited Reserves of XXX. |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000163 | XXXXX | 8190441 | 03/18/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000163 | XXXXX | 8208770 | 03/19/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000137 | XXXXX | 8178905 | 03/18/2026 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. | All Interested Parties Not Checked with Exclusionary Lists. |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000137 | XXXXX | 8178907 | 03/18/2026 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000137 | XXXXX | 8178909 | 03/18/2026 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Missing Third Party Fraud Report |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000137 | XXXXX | 8182837 | 03/18/2026 | Credit | Borrower 2 Paystubs Missing | Borrower 2 Paystubs Missing | Borrower 2 Paystubs Missing |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000137 | XXXXX | 8198840 | 03/18/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000059 | XXXXX | 8236708 | 03/20/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000059 | XXXXX | 8194037 | 03/18/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/18/2026 |  | 1 | 03/18/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000059 | XXXXX | 8241405 | 03/20/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000135 | XXXXX | 8221271 | 03/19/2026 | Compliance | Charges That Cannot Increase Test |  |  |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000135 | XXXXX | 8207835 | 03/19/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000135 | XXXXX | 8207836 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000093 | XXXXX | 8214042 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000093 | XXXXX | 8224662 | 03/19/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000093 | XXXXX | 8265290 | 03/23/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000143 | XXXXX | 8206976 | 03/19/2026 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis | Primary Value Subject Property Appraisal is not on an As-Is Basis |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000143 | XXXXX | 8210354 | 03/19/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000143 | XXXXX | 8221747 | 03/19/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000043 | XXXXX | 8206546 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000043 | XXXXX | 8208166 | 03/19/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000043 | XXXXX | 8225613 | 03/19/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000063 | XXXXX | 8206350 | 03/19/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000063 | XXXXX | 8206351 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000063 | XXXXX | 8220723 | 03/19/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000097 | XXXXX | 8208925 | 03/19/2026 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000097 | XXXXX | 8208948 | 03/19/2026 | Compliance | TILA Right of Rescission Test |  |  |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000097 | XXXXX | 8206679 | 03/19/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000097 | XXXXX | 8206680 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000153 | XXXXX | 8207471 | 03/19/2026 | Credit | Missing Verification of Mortgage | XXX - The mortgage statement/VOM is missing. Final 1003 Disclosed a mortgage, seems to be held privately by Individual XXX. | XXX - The mortgage statement/VOM is missing. Final 1003 Disclosed a mortgage, seems to be held privately by Individual XXX. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000153 | XXXXX | 8218820 | 03/19/2026 | Compliance | Lender Credits That Cannot Decrease Test |  |  |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000153 | XXXXX | 8270027 | 03/23/2026 | Compliance | TILA Right of Rescission Test |  |  |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000153 | XXXXX | 8210045 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000079 | XXXXX | 8235583 | 03/20/2026 | Compliance | Charges That In Total Cannot Increase More Than 10% Test |  |  |  |  | Cured | 03/20/2026 |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000079 | XXXXX | 8217617 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000079 | XXXXX | 8217618 | 03/19/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000099 | XXXXX | 8211808 | 03/19/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX - HOA XXX | XXX - HOA XXX |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000099 | XXXXX | 8222286 | 03/19/2026 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000099 | XXXXX | 8214643 | 03/19/2026 | Credit | Income 5 Months Income Verified is Missing | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000099 | XXXXX | 8214684 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000099 | XXXXX | 8221717 | 03/19/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000069 | XXXXX | 8216559 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000069 | XXXXX | 8260743 | 03/23/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000069 | XXXXX | 8273575 | 03/23/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000033 | XXXXX | 8206509 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000033 | XXXXX | 8206514 | 03/19/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000033 | XXXXX | 8264423 | 03/23/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000157 | XXXXX | 8210957 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000157 | XXXXX | 8214766 | 03/19/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000157 | XXXXX | 8219275 | 03/19/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000125 | XXXXX | 8268761 | 03/23/2026 | Credit | AUS Partially Provided | AUS Partially Provided | AUS Partially Provided |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000125 | XXXXX | 8214598 | 03/19/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX - Tax cert is missing | XXX - Tax cert is missing |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000125 | XXXXX | 8214582 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000125 | XXXXX | 8222049 | 03/19/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000065 | XXXXX | 8222694 | 03/19/2026 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of 45.16% exceeds Guideline DTI of 45% | Audited DTI of 45.16% exceeds Guideline DTI of 45% |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000065 | XXXXX | 8216552 | 03/19/2026 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of 45.16% exceeds AUS DTI of 43% | Audited DTI of 45.16% exceeds AUS DTI of 43% |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000065 | XXXXX | 8216983 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000065 | XXXXX | 8269379 | 03/23/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000173 | XXXXX | 8270753 | 03/23/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000173 | XXXXX | 8223135 | 03/19/2026 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |  |  |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000173 | XXXXX | 8223136 | 03/19/2026 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) |  |  |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000173 | XXXXX | 8223137 | 03/19/2026 | Compliance | Charges That Cannot Increase Test |  |  |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000173 | XXXXX | 8223138 | 03/19/2026 | Compliance | Charges That In Total Cannot Increase More Than 10% Test |  |  |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000173 | XXXXX | 8223139 | 03/19/2026 | Compliance | Initial Loan Estimate Delivery Date Test (from application) |  |  |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000173 | XXXXX | 8227740 | 03/20/2026 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000173 | XXXXX | 8227930 | 03/20/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000139 | XXXXX | 8245794 | 03/20/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Need real estate tax and HOA dues amounts for investment property located at XXX. Amount entered is taken from 1003.  | Need real estate tax and HOA dues amounts for investment property located at XXX. Amount entered is taken from 1003.  |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000139 | XXXXX | 8245175 | 03/20/2026 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000139 | XXXXX | 8245704 | 03/20/2026 | Credit | Asset 8 Missing | Asset 8 Missing | Asset 8 Missing |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000139 | XXXXX | 8214696 | 03/19/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000139 | XXXXX | 8246234 | 03/20/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000049 | XXXXX | 8209574 | 03/19/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000049 | XXXXX | 8209577 | 03/19/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/19/2026 |  | 1 | 03/19/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000049 | XXXXX | 8263196 | 03/23/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000161 | XXXXX | 8268242 | 03/23/2026 | Compliance | Lender Credits That Cannot Decrease Test |  |  |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000161 | XXXXX | 8233630 | 03/20/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000161 | XXXXX | 8233631 | 03/20/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000151 | XXXXX | 8236402 | 03/20/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000151 | XXXXX | 8236709 | 03/20/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000151 | XXXXX | 8291384 | 03/24/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/24/2026 |  | 1 | 03/24/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000165 | XXXXX | 8231043 | 03/20/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000165 | XXXXX | 8231045 | 03/20/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000165 | XXXXX | 8255368 | 03/22/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/22/2026 |  | 1 | 03/22/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000083 | XXXXX | 8244194 | 03/20/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000083 | XXXXX | 8267257 | 03/23/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000083 | XXXXX | 8295880 | 03/24/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/24/2026 |  | 1 | 03/24/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000197 | XXXXX | 8239755 | 03/20/2026 | Compliance | Charges That Cannot Increase Test |  |  |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000197 | XXXXX | 8236604 | 03/20/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000197 | XXXXX | 8236609 | 03/20/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000189 | XXXXX | 8289542 | 03/24/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000189 | XXXXX | 8248190 | 03/20/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes for non-subject property. (XXX) | Missing verification of taxes for non-subject property. (XXX) |  |  | Resolved | 03/20/2026 |  | 1 | 03/20/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000189 | XXXXX | 8291793 | 03/24/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/24/2026 |  | 1 | 03/24/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000159 | XXXXX | 8271756 | 03/23/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The 1008 Transmittal Summary reflects the borrower is responsible for a XXX in monthly HOA Dues on the subject property, however missing verification of HOA Dues | The 1008 Transmittal Summary reflects the borrower is responsible for a XXX in monthly HOA Dues on the subject property, however missing verification of HOA Dues |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000159 | XXXXX | 8271621 | 03/23/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000159 | XXXXX | 8274432 | 03/23/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000133 | XXXXX | 8268215 | 03/23/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000133 | XXXXX | 8274028 | 03/23/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000133 | XXXXX | 8274042 | 03/23/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000145 | XXXXX | 8299454 | 03/24/2026 | Compliance | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - XXX (New Creditor) used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - XXX (New Creditor) used for Same Lender or Lender Affiliate Refinance |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000145 | XXXXX | 8275661 | 03/23/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000145 | XXXXX | 8275662 | 03/23/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000075 | XXXXX | 8276045 | 03/23/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000075 | XXXXX | 8276062 | 03/23/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/23/2026 |  | 1 | 03/23/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000075 | XXXXX | 8295941 | 03/24/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/24/2026 |  | 1 | 03/24/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000007 | XXXXX | 8271727 | 03/23/2026 | Property | Condo Approval Missing | Condo Approval Missing. | Condo Approval Missing. |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000007 | XXXXX | 8310086 | 03/25/2026 | Credit | AUS Partially Provided | AUS Partially Provided. | AUS Partially Provided. |  |  | Resolved | 03/25/2026 |  | 1 | 03/25/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000007 | XXXXX | 8289552 | 03/24/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/24/2026 |  | 1 | 03/24/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000195 | XXXXX | 8313166 | 03/25/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000195 | XXXXX | 8284950 | 03/24/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/24/2026 |  | 1 | 03/24/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000195 | XXXXX | 8284952 | 03/24/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/24/2026 |  | 1 | 03/24/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000199 | XXXXX | 8403478 | 03/31/2026 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000199 | XXXXX | 8386289 | 03/30/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/30/2026 |  | 1 | 03/30/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000199 | XXXXX | 8400736 | 03/31/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000127 | XXXXX | 8386111 | 03/30/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/30/2026 |  | 1 | 03/30/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000127 | XXXXX | 8386118 | 03/30/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/30/2026 |  | 1 | 03/30/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000127 | XXXXX | 8426083 | 04/01/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/01/2026 |  | 1 | 04/01/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000119 | XXXXX | 8389808 | 03/30/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/30/2026 |  | 1 | 03/30/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000119 | XXXXX | 8389820 | 03/30/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/30/2026 |  | 1 | 03/30/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000119 | XXXXX | 8407985 | 03/31/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000129 | XXXXX | 8408732 | 03/31/2026 | Compliance | TILA Right of Rescission Test |  |  |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX |  |
| 71000129 | XXXXX | 8393706 | 03/30/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/30/2026 |  | 1 | 03/30/2026 |  | XX/XX/XXXX | XXX | XXX |  |
| 71000129 | XXXXX | 8393711 | 03/30/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/30/2026 |  | 1 | 03/30/2026 |  | XX/XX/XXXX | XXX | XXX |  |
| 71000073 | XXXXX | 8391402 | 03/30/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/30/2026 |  | 1 | 03/30/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000073 | XXXXX | 8391405 | 03/30/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/30/2026 |  | 1 | 03/30/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000073 | XXXXX | 8404665 | 03/31/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000061 | XXXXX | 8391777 | 03/30/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/30/2026 |  | 1 | 03/30/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000061 | XXXXX | 8408191 | 03/31/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000061 | XXXXX | 8437991 | 04/01/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/01/2026 |  | 1 | 04/01/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000025 | XXXXX | 8410253 | 03/31/2026 | Compliance | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test |  |  |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000025 | XXXXX | 8400969 | 03/31/2026 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure | TRID: Missing Final Closing Disclosure |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000025 | XXXXX | 8402066 | 03/31/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000025 | XXXXX | 8402093 | 03/31/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000019 | XXXXX | 8401077 | 03/31/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000019 | XXXXX | 8401078 | 03/31/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000019 | XXXXX | 8438515 | 04/01/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/01/2026 |  | 1 | 04/01/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000141 | XXXXX | 8415189 | 03/31/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000141 | XXXXX | 8415194 | 03/31/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000141 | XXXXX | 8441447 | 04/01/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/01/2026 |  | 1 | 04/01/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000045 | XXXXX | 8402267 | 03/31/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000045 | XXXXX | 8402268 | 03/31/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 03/31/2026 |  | 1 | 03/31/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000045 | XXXXX | 8429988 | 04/01/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/01/2026 |  | 1 | 04/01/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000181 | XXXXX | 8457411 | 04/02/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000181 | XXXXX | 8460792 | 04/02/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000181 | XXXXX | 8498837 | 04/06/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000103 | XXXXX | 8447954 | 04/02/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000103 | XXXXX | 8447955 | 04/02/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000103 | XXXXX | 8477069 | 04/03/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/03/2026 |  | 1 | 04/03/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000169 | XXXXX | 8459987 | 04/02/2026 | Credit | Missing Letter of Explanation (Income) | B1's business, XXX is located in XXX and the subject primary is located in XXX. The loan file contained a letter of explanation reflecting the business will be staying in XXX until XX/XX/XXXX. The letter also states current employees work primarily on a remote basis with very few client meetings at the physical office as few clients are actually in the XXX. After the lease expiration the official business address will most likely move to XXX. B1 to provide a more detailed letter. Does B1 work in the office? If so, how will B1 work in XXX when moving to XXX? Is income expected to stay consistent once business relocates to XX? | B1's business, XXX is located in XXX and the subject primary is located in XXX. The loan file contained a letter of explanation reflecting the business will be staying in XXX until XX/XX/XXXX. The letter also states current employees work primarily on a remote basis with very few client meetings at the physical office as few clients are actually in the XXX. After the lease expiration the official business address will most likely move to XXX. B1 to provide a more detailed letter. Does B1 work in the office? If so, how will B1 work in XXX when moving to XXX? Is income expected to stay consistent once business relocates to XX? |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000169 | XXXXX | 8453400 | 04/02/2026 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing current tax statement confirming a monthly payment of XXX for the property located at XXX. The loan file contained page XXX of XXX of the statement labeled as XXX Notice of Assessment for the tax year XX/XX/XXXX to XX/XX/XXXX . | Missing current tax statement confirming a monthly payment of XXX for the property located at XXX. The loan file contained page XXX of XXX of the statement labeled as XXX Notice of Assessment for the tax year XX/XX/XXXX to XX/XX/XXXX . |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000169 | XXXXX | 8457964 | 04/02/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000169 | XXXXX | 8475863 | 04/03/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/03/2026 |  | 1 | 04/03/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000085 | XXXXX | 8453743 | 04/02/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000085 | XXXXX | 8453750 | 04/02/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000085 | XXXXX | 8479749 | 04/03/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/03/2026 |  | 1 | 04/03/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000183 | XXXXX | 8455649 | 04/02/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000183 | XXXXX | 8455652 | 04/02/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000183 | XXXXX | 8495476 | 04/06/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000035 | XXXXX | 8457996 | 04/02/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000035 | XXXXX | 8457999 | 04/02/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000035 | XXXXX | 8499672 | 04/06/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000011 | XXXXX | 8482582 | 04/03/2026 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. | Required Affiliated Business Disclosure Missing. |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000011 | XXXXX | 8456575 | 04/02/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000011 | XXXXX | 8456576 | 04/02/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000051 | XXXXX | 8449076 | 04/02/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000051 | XXXXX | 8449077 | 04/02/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000051 | XXXXX | 8499676 | 04/06/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000089 | XXXXX | 8473716 | 04/03/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000089 | XXXXX | 8453886 | 04/02/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000089 | XXXXX | 8463365 | 04/02/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/02/2026 |  | 1 | 04/02/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000077 | XXXXX | 8480942 | 04/03/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/03/2026 |  | 1 | 04/03/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000077 | XXXXX | 8480949 | 04/03/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/03/2026 |  | 1 | 04/03/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000077 | XXXXX | 8500796 | 04/06/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000123 | XXXXX | 8497035 | 04/06/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000123 | XXXXX | 8497038 | 04/06/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000123 | XXXXX | 8503129 | 04/06/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000023 | XXXXX | 8503374 | 04/06/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000023 | XXXXX | 8503376 | 04/06/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000023 | XXXXX | 8503847 | 04/06/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000053 | XXXXX | 8499239 | 04/06/2026 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000053 | XXXXX | 8498415 | 04/06/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000053 | XXXXX | 8498423 | 04/06/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000111 | XXXXX | 8502393 | 04/06/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000111 | XXXXX | 8503419 | 04/06/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000111 | XXXXX | 8523457 | 04/07/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000055 | XXXXX | 8502612 | 04/06/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000055 | XXXXX | 8502615 | 04/06/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000055 | XXXXX | 8506348 | 04/06/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000017 | XXXXX | 8499993 | 04/06/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000017 | XXXXX | 8504377 | 04/06/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000017 | XXXXX | 8504387 | 04/06/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000121 | XXXXX | 8505610 | 04/06/2026 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. | Required Affiliated Business Disclosure Missing. |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000121 | XXXXX | 8507508 | 04/06/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000121 | XXXXX | 8507512 | 04/06/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000147 | XXXXX | 8497050 | 04/06/2026 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. | Required Affiliated Business Disclosure Missing. |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000147 | XXXXX | 8507868 | 04/06/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000147 | XXXXX | 8507921 | 04/06/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Limited Cash Out (GSE Definition) |
| 71000185 | XXXXX | 8509639 | 04/06/2026 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of XXX. | Audited Reserves of XXX are less than Guideline Required Reserves of XXX. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000185 | XXXXX | 8475024 | 04/03/2026 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000185 | XXXXX | 8498731 | 04/06/2026 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. | Required Affiliated Business Disclosure Missing. |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000185 | XXXXX | 8533200 | 04/07/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000171 | XXXXX | 8498315 | 04/06/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000171 | XXXXX | 8498319 | 04/06/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/06/2026 |  | 1 | 04/06/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000171 | XXXXX | 8527226 | 04/07/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000105 | XXXXX | 8549377 | 04/08/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/08/2026 |  | 1 | 04/08/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000105 | XXXXX | 8544407 | 04/08/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/08/2026 |  | 1 | 04/08/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000191 | XXXXX | 8513701 | 04/07/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000191 | XXXXX | 8514288 | 04/07/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000191 | XXXXX | 8545752 | 04/08/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/08/2026 |  | 1 | 04/08/2026 |  | XX/XX/XXXX | XXX | XXX | First Time Home Purchase |
| 71000001 | XXXXX | 8528509 | 04/07/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000001 | XXXXX | 8528520 | 04/07/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000001 | XXXXX | 8544866 | 04/08/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/08/2026 |  | 1 | 04/08/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000149 | XXXXX | 8532601 | 04/07/2026 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000149 | XXXXX | 8532693 | 04/07/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000149 | XXXXX | 8532697 | 04/07/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000149 | XXXXX | 8546978 | 04/08/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/08/2026 |  | 1 | 04/08/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000072 | XXXXX | 8522199 | 04/07/2026 | Credit | AUS Partially Provided | AUS Partially Provided. | AUS Partially Provided. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000072 | XXXXX | 8522239 | 04/07/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000072 | XXXXX | 8552305 | 04/08/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/08/2026 |  | 1 | 04/08/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000051 | XXXXX | 8522440 | 04/07/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000051 | XXXXX | 8522389 | 04/07/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/07/2026 |  | 1 | 04/07/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000051 | XXXXX | 8548686 | 04/08/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/08/2026 |  | 1 | 04/08/2026 |  | XX/XX/XXXX | XXX | XXX | Cash Out: Other/Multi purpose Unknown Purpose |
| 71000030 | XXXXX | 8556404 | 04/08/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/08/2026 |  | 1 | 04/08/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000030 | XXXXX | 8556447 | 04/08/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/08/2026 |  | 1 | 04/08/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000030 | XXXXX | 8564293 | 04/09/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/09/2026 |  | 1 | 04/09/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 71000009 | XXXXX | 8585407 | 04/09/2026 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |  |  |  |  | Acknowledged |  |  | 2 |  |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000009 | XXXXX | 8577063 | 04/09/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/09/2026 |  | 1 | 04/09/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 71000009 | XXXXX | 8577106 | 04/09/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/09/2026 |  | 1 | 04/09/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 70999988 | XXXXX | 8581587 | 04/09/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/09/2026 |  | 1 | 04/09/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 70999988 | XXXXX | 8581589 | 04/09/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/09/2026 |  | 1 | 04/09/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 70999988 | XXXXX | 8584244 | 04/09/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/09/2026 |  | 1 | 04/09/2026 |  | XX/XX/XXXX | XXX | XXX | Rate Term Refinance Borrower Initiation |
| 70999967 | XXXXX | 8589000 | 04/10/2026 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Resolved | 04/10/2026 |  | 1 | 04/10/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 70999967 | XXXXX | 8589005 | 04/10/2026 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | Resolved | 04/10/2026 |  | 1 | 04/10/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |
| 70999967 | XXXXX | 8598746 | 04/10/2026 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  |  | Resolved | 04/10/2026 |  | 1 | 04/10/2026 |  | XX/XX/XXXX | XXX | XXX | Other than first time Home Purchase |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Account Number** | **Guidelines** | **Bank Statement Type** | **Bank Statement Indicator** | **Total Months of Bank statements** | **Bank Statement Income** | **Profit Loss Indicator** | **DSCR** | **DSCR Qualifying Income** | **DSCR Operating Expense** | **DSCR Guideline Comparison** | **DSCR Ratio Output** | **Qualifying Payment Considered** | **Subject Property Address** | **City** | **State** | **Zip** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Income Document Detail** | **Expense Ratio (Only Bank Statement)** | **Percent of Business Ownership (Bank Statement loans)** | **Months P&L (Bank Statement Loans)** | **Short Term Rental Flag** | **GSE** | **AUS Decision System** | **Rating Result** | **Supplemental Field: Tertiary Borrower Employment Verification** | **Supplemental Field: Tertiary Borrower Income Verification** | **Supplemental Field: Tertiary Borrower Asset Verification** | **Supplemental Field: Quaternary Borrower Employment Verification** | **Supplemental Field: Quaternary Borrower Income Verification** | **Supplemental Field: Quaternary Borrower Asset Verification** | **Supplemental Field: Buy Down Reset Frequency of Change** | **Supplemental Field: Buy Down Monthly Subsidized Payment Amount in Year 1** | **Supplemental Field: Buy Down Monthly Subsidized Payment Amount in Year 2** | **Supplemental Field: Buy Down Monthly Subsidized Payment Amount in Year 3** | **Supplemental Field: Buy Down Monthly Borrower Payment Amount in Year 1** | **Supplemental Field: Buy Down Monthly Borrower Payment Amount in Year 2** | **Supplemental Field: Buy Down Monthly Borrower Payment Amount in Year 3** | **Supplemental Field: Donor of Buydown Funds** | **Supplemental Field: Buy Down Escrowed at Closing Flag** |
| 71000109 | XXXXX | TPO AUS Jumbo 09.24.25&nbsp;&nbsp;&nbsp;&nbsp; <br>|  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000041 | XXXXX | PCG AUS Jumbo 12.09.25 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000095 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000101 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FHLMC | LP | Accept Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000117 | XXXXX | PCG AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000005 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000057 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000037 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000081 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000039 | XXXXX | PCG AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000015 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000179 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000113 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000071 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000115 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000087 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000091 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000031 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000009 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000013 | XXXXX | PCG AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000175 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000107 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000003 | XXXXX | PCG AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000029 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000177 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000047 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000167 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000027 | XXXXX | PCG AUS Jumbo 12.09.25 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000021 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000193 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000067 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000131 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000155 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000187 | XXXXX | CDL AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000163 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000137 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000059 | XXXXX | CDL AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000135 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000093 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000143 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000043 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000063 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000097 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000153 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000079 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000099 | XXXXX | TPO AUS Jumbo 02.09.26 | TPO AUS Jumbo 02.09.26 |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000069 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  | 12 | $XXX |  |  | $XXX |  |  | Seller | Yes |
| 71000033 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000157 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000125 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 | Yes | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible | 4 | 3 | 4 |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000065 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000173 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000139 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000049 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000161 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000151 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible | 5 | 3 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000165 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000083 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000197 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000189 | XXXXX | PCG AUS Jumbo 01.12.26 |  |  |  | 0.00 | Yes | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000159 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000133 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible | 5 | 3 | 4 | 5 | 3 | 4 |  |  |  |  |  |  |  |  |  |
| 71000145 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000075 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000007 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000195 | XXXXX | PCG AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000199 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000127 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000119 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FHLMC | LP | Accept Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000129 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000073 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000061 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000025 | XXXXX | TPO AUS Jumbo 04.19.24 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000019 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FHLMC | LP | Accept Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000141 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000045 | XXXXX | PCG AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000181 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000103 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000169 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 | Yes | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000085 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000183 | XXXXX | PCG AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000035 | XXXXX | PCG AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000011 | XXXXX | PCG AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000051 | XXXXX | PCG AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000089 | XXXXX | PCG AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000077 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000123 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000023 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FNMA | DU | Approve Eligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000053 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000111 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000055 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000017 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes<br> FHLMC | LP | A1Accept |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000121 | XXXXX | PCG AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000147 | XXXXX | PCG AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000185 | XXXXX | PCG AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000171 | XXXXX | PCG AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000105 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000191 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000001 | XXXXX | TPO AUS Jumbo 02.09.26 | TPO AUS Jumbo 02.09.26 |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000149 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000072 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000051 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000030 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000009 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FHLMC | LP | Accept Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 70999988 | XXXXX | TPO AUS Jumbo 02.09.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 70999967 | XXXXX | TPO AUS Jumbo 01.12.26 |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No<br> FNMA | DU | Approve Ineligible |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.3

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|  |  |  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **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** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **GS Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **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** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CUScore** | **R&W Eligible** |
| 71000109 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000041 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible <br>|
| 71000095 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 1.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000101 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1073 Individual Condo Report <br>|  |  |  | XX/XX/XXXX | $XXX | $XXX | -28.19% | XX/XX/XXXX | $XXX | $XXX | -33.58% |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | Not Eligible |
| 71000117 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Not Eligible |
| 71000005 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -5.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000057 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| 71000037 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 71000081 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  |  |  | XX/XX/XXXX | $XXX | $XXX | -3.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | Not Eligible |
| 71000039 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -13.58% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Not Eligible |
| 71000015 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 4.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Not Eligible |
| 71000179 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000113 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| 71000071 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -0.48% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000115 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -5.66% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Eligible |
| 71000087 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -5.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | Eligible |
| 71000091 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 71000031 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000009 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000013 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000175 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.27% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 71000107 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Not Eligible |
| 71000003 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -7.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 71000029 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -0.89% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 71000177 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 71000047 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 71000167 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Not Eligible |
| 71000027 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -7.16% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 71000021 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Not Eligible |
| 71000193 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000067 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 71000131 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000155 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000187 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -2.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000163 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000137 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -0.26% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | Eligible |
| 71000059 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 71000135 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 1.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Eligible |
| 71000093 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000143 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000043 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -7.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71000063 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -0.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Not Eligible |
| 71000097 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000153 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 71000079 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 71000099 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -8.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 71000069 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000033 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 3.45% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Eligible |
| 71000157 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| 71000125 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 1.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 71000065 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -56.49% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Not Eligible |
| 71000173 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000139 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 71000049 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000161 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Not Eligible |
| 71000151 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -14.43% |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 71000165 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000083 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 71000197 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000189 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | $XXX | -0.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 71000159 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000133 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000145 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -6.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Not Eligible |
| 71000075 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Eligible |
| 71000007 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Not Eligible |
| 71000195 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Not Eligible |
| 71000199 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | Not Eligible |
| 71000127 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Not Eligible |
| 71000119 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000129 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -8.67% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Not Eligible |
| 71000073 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000061 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 71000025 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.27% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 71000019 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Not Eligible |
| 71000141 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Not Eligible |
| 71000045 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 71000181 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -6.31% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | Not Eligible |
| 71000103 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 2.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000169 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 71000085 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -29.82% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Not Eligible |
| 71000183 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 71000035 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000011 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -4.04% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Eligible |
| 71000051 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000089 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 3.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Not Eligible |
| 71000077 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Not Eligible |
| 71000123 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -8.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Not Eligible |
| 71000023 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -16.96% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Not Eligible |
| 71000053 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | $XXX | 1.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Not Eligible |
| 71000111 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -2.37% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 71000055 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -25.27% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 71000017 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -33.89% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| 71000121 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 71000147 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -0.91% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Not Eligible |
| 71000185 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -8.17% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 71000171 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000105 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Not Eligible |
| 71000191 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 71000001 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -40.76% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Not Eligible |
| 71000149 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -7.08% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 71000072 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -9.98% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Eligible |
| 71000051 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 71000030 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.22 | Not Eligible |
| 71000009 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 70999988 |  | XXXXX | $XXXXXX |  | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  | XX/XX/XXXX | $XXX | $XXX | 9.22% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Eligible |
| 70999967 |  | XXXXX | $XXXXXX | $XXX | $XXX | XX.XX% | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Not Eligible |

---

## Exhibit 99.3

---

| | |
|:---|:---|
| **LOANNUMBER** | **GS_LOAN_NUMBER** |
| XXXXX | 71000109<br> A |
| XXXXX | 71000041<br> D<br> A |
| XXXXX | 71000095<br> C<br> A |
| XXXXX | 71000101<br> D<br> A<br> B |
| XXXXX | 71000117<br> D<br> C<br> A<br> B |
| XXXXX | 71000005<br> A |
| XXXXX | 71000057<br> D<br> C<br> A<br> B |
| XXXXX | 71000037<br> A<br> C |
| XXXXX | 71000081<br> A<br> C<br> B |
| XXXXX | 71000039<br> A<br> B |
| XXXXX | 71000015<br> C<br> A<br> B |
| XXXXX | 71000179<br> A<br> B |
| XXXXX | 71000113<br> B<br> A |
| XXXXX | 71000071<br> D<br> A |
| XXXXX | 71000115<br> C<br> A |
| XXXXX | 71000087<br> A |
| XXXXX | 71000091<br> A<br> C<br> B |
| XXXXX | 71000031<br> A |
| XXXXX | 71000009<br> A<br> C |
| XXXXX | 71000013<br> C<br> B<br> A |
| XXXXX | 71000175<br> A |
| XXXXX | 71000107<br> D<br> A<br> B |
| XXXXX | 71000003<br> A |
| XXXXX | 71000029<br> D<br> A<br> C |
| XXXXX | 71000177<br> A |
| XXXXX | 71000047<br> D<br> A |
| XXXXX | 71000167<br> D<br> C<br> A |
| XXXXX | 71000027<br> A |
| XXXXX | 71000021<br> A |
| XXXXX | 71000193<br> D<br> A |
| XXXXX | 71000067<br> A<br> C<br> B |
| XXXXX | 71000131<br> A |
| XXXXX | 71000155<br> D<br> A |
| XXXXX | 71000187<br> D<br> A |
| XXXXX | 71000163<br> D<br> A |
| XXXXX | 71000137<br> D<br> A |
| XXXXX | 71000059<br> A<br> C |
| XXXXX | 71000135<br> A<br> C |
| XXXXX | 71000093<br> A |
| XXXXX | 71000143<br> A<br> C |
| XXXXX | 71000043<br> A |
| XXXXX | 71000063<br> A |
| XXXXX | 71000097<br> B<br> C<br> A |
| XXXXX | 71000153<br> D<br> C<br> A |
| XXXXX | 71000079<br> A<br> C<br> B |
| XXXXX | 71000099<br> D<br> A |
| XXXXX | 71000069<br> A |
| XXXXX | 71000033<br> A |
| XXXXX | 71000157<br> A |
| XXXXX | 71000125<br> D<br> A |
| XXXXX | 71000065<br> C<br> A |
| XXXXX | 71000173<br> D<br> C<br> A<br> B |
| XXXXX | 71000139<br> D<br> A<br> B |
| XXXXX | 71000049<br> A |
| XXXXX | 71000161<br> A<br> C |
| XXXXX | 71000151<br> A<br> C |
| XXXXX | 71000165<br> A |
| XXXXX | 71000083<br> A |
| XXXXX | 71000197<br> A<br> C |
| XXXXX | 71000189<br> D<br> B<br> A |
| XXXXX | 71000159<br> D<br> A |
| XXXXX | 71000133<br> A |
| XXXXX | 71000145<br> A<br> D<br> B |
| XXXXX | 71000075<br> A |
| XXXXX | 71000007<br> D<br> A<br> B |
| XXXXX | 71000195<br> A<br> B |
| XXXXX | 71000199<br> D<br> A |
| XXXXX | 71000127<br> A |
| XXXXX | 71000119<br> A |
| XXXXX | 71000129<br> A<br> C |
| XXXXX | 71000073<br> A |
| XXXXX | 71000061<br> A |
| XXXXX | 71000025<br> A<br> D |
| XXXXX | 71000019<br> A |
| XXXXX | 71000141<br> A |
| XXXXX | 71000045<br> A |
| XXXXX | 71000181<br> A<br> C |
| XXXXX | 71000103<br> A |
| XXXXX | 71000169<br> D<br> A |
| XXXXX | 71000085<br> A |
| XXXXX | 71000183<br> A |
| XXXXX | 71000035<br> A |
| XXXXX | 71000011<br> A<br> B |
| XXXXX | 71000051<br> A |
| XXXXX | 71000089<br> A<br> B |
| XXXXX | 71000077<br> A |
| XXXXX | 71000123<br> A |
| XXXXX | 71000023<br> A |
| XXXXX | 71000053<br> A<br> B |
| XXXXX | 71000111<br> A |
| XXXXX | 71000055<br> A |
| XXXXX | 71000017<br> A |
| XXXXX | 71000121<br> A<br> B |
| XXXXX | 71000147<br> A<br> B |
| XXXXX | 71000185<br> C<br> B<br> A |
| XXXXX | 71000171<br> A |
| XXXXX | 71000105<br> A |
| XXXXX | 71000191<br> A<br> C |
| XXXXX | 71000001<br> A |
| XXXXX | 71000149<br> A<br> C |
| XXXXX | 71000072<br> D<br> A |
| XXXXX | 71000051<br> A |
| XXXXX | 71000030<br> A |
| XXXXX | 71000009<br> A<br> B |
| XXXXX | 70999988<br> A |
| XXXXX | 70999967<br> A |

---

## Exhibit 99.3

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **GS Loan Number** | **Seller Loan ID** | **Field ID** | **Original Field Value** | **Audit Value** | **Data Compare** |
| 71000109 | XXXXX | Refinance Type | No Cash Out - Borrower Initiated | LimitedCashOut | FALSE |
| 71000109 | XXXXX | Qualifying Total Debt Income Ratio | 30.03 | 29.71 | FALSE |
| 71000057 | XXXXX | QM Qualifying Total Debt Income Ratio | 12.87 | 11.21 | FALSE |
| 71000113 | XXXXX | QM Qualifying Total Debt Income Ratio | 22.61 | 21.83 | FALSE |
| 71000071 | XXXXX | Property Zip Code | XXX | XXX | FALSE |
| 71000115 | XXXXX | QM Qualifying Total Debt Income Ratio | 22.33 | 22.02 | FALSE |
| 71000031 | XXXXX | Qualifying LTV | XX.XX% | XX.XX% | FALSE |
| 71000009 | XXXXX | QM Qualifying Total Debt Income Ratio | 26.62 | 25.42 | FALSE |
| 71000013 | XXXXX | QM Qualifying Total Debt Income Ratio | 26.48 | 26.45 | FALSE |
| 71000107 | XXXXX | QM Qualifying Total Debt Income Ratio | 40.82 | 40.53 | FALSE |
| 71000003 | XXXXX | QM Qualifying Total Debt Income Ratio | 10 | 9.97 | FALSE |
| 71000029 | XXXXX | Property Type | PUD | Detached | FALSE |
| 71000177 | XXXXX | QM Qualifying Total Debt Income Ratio | 43.84 | 42.24 | FALSE |
| 71000167 | XXXXX | QM Qualifying Total Debt Income Ratio | 49.93 | 49.46 | FALSE |
| 71000067 | XXXXX | QM Qualifying Total Debt Income Ratio | 20.12 | 19.95 | FALSE |
| 71000131 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 71000131 | XXXXX | QM Qualifying Total Debt Income Ratio | 21.23 | 20.02 | FALSE |
| 71000137 | XXXXX | QM Qualifying Total Debt Income Ratio | 34.06 | 34.07 | FALSE |
| 71000093 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 71000097 | XXXXX | QM Qualifying Total Debt Income Ratio | 32.97 | 32.96 | FALSE |
| 71000065 | XXXXX | QM Qualifying Total Debt Income Ratio | 44.17 | 44.62 | FALSE |
| 71000139 | XXXXX | QM Qualifying Total Debt Income Ratio | 49.91 | 48.92 | FALSE |
| 71000083 | XXXXX | QM Qualifying Total Debt Income Ratio | 26.95 | 26.91 | FALSE |
| 71000159 | XXXXX | Qualifying LTV | XX.XX% | XX.XX% | FALSE |
| 71000133 | XXXXX | QM Qualifying Total Debt Income Ratio | 15.37 | 15.46 | FALSE |
| 71000007 | XXXXX | QM Qualifying Total Debt Income Ratio | 34.74 | 33.43 | FALSE |
| 71000127 | XXXXX | QM Qualifying Total Debt Income Ratio | 38.41 | 38.22 | FALSE |
| 71000129 | XXXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 71000073 | XXXXX | QM Qualifying Total Debt Income Ratio | 45.91 | 44.69 | FALSE |
| 71000025 | XXXXX | Qualifying LTV | XX.XX% | XX.XX% | FALSE |
| 71000019 | XXXXX | QM Qualifying Total Debt Income Ratio | 45.02 | 44.88 | FALSE |
| 71000141 | XXXXX | QM Qualifying Total Debt Income Ratio | 44.67 | 43.11 | FALSE |
| 71000045 | XXXXX | QM Qualifying Total Debt Income Ratio | 28.76 | 28.32 | FALSE |
| 71000183 | XXXXX | QM Qualifying Total Debt Income Ratio | 26.7 | 26.56 | FALSE |
| 71000035 | XXXXX | QM Qualifying Total Debt Income Ratio | 48.2 | 47.96 | FALSE |
| 71000089 | XXXXX | QM Qualifying Total Debt Income Ratio | 44.34 | 44.11 | FALSE |
| 71000123 | XXXXX | Property Zip Code | XXX | XXX | FALSE |
| 71000055 | XXXXX | QM Qualifying Total Debt Income Ratio | 22.75 | 22.76 | FALSE |
| 71000121 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 71000147 | XXXXX | QM Qualifying Total Debt Income Ratio | 17.73 | 17.13 | FALSE |
| 71000105 | XXXXX | QM Qualifying Total Debt Income Ratio | 12.7 | 12.76 | FALSE |
| 71000149 | XXXXX | Property Zip Code | XXX | XXX | FALSE |
| 71000051 | XXXXX | QM Qualifying Total Debt Income Ratio | 41.61 | 41.58 | FALSE |

---

## Exhibit 99.4

![](logo_opus.jpg)

## GSMBS 2026-PJ8

Opus Capital Markets Consultants, LLC<br> Executive Narrative<br>

Opus Capital Markets Consultants, LLC

5718 Westheimer Road \| Suite 1000

Houston, TX 77057<br> 224.632.1300 \| www.opuscmc.com

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 1<br>

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### Executive Narrative

#### May 27, 2026

#### Performed by

#### Opus Capital Markets Consultants, LLC

#### For

#### Goldman Sachs Mortgage Company

This report summarizes the results of a due diligence review performed on thirty-six (36) loans provided by Goldman Sachs Mortgage Company (Customer) who provided Opus Captial Markets Consultants, LLC (Consultant) with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review on the loans.

As detailed herein, the pool contains thirty-six (36) credit and compliance loans identified as QM: Safe Harbor APOR (APOR SH). There are thirty-three (33) loans eligible for GSE delivery and were underwritten to the AUS provided in the loan file. Three (3) loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

#### EXHIBIT A
<br> 1. Credit Qualification

A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by Client were met. Confirmation of the loan terms was performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review consisted of the following:

---

| | |
|:---|:---|
| **1.1** | **Guidelines** |

---

Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

---

| | |
|:---|:---|
| **1.2** | **Employment** |

---

Review the file documentation for minimum required level of opus employment, income and asset verifications pursuant to Client provided underwriting guidelines.

---

| | |
|:---|:---|
| **1.3** | **Income** |

---

Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

---

| | |
|:---|:---|
| **1.4** | **Assets** |

---

Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

---

| | |
|:---|:---|
| **1.5** | **Debt Ratio** |

---

Recalculate the debt to income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 2<br>

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---

| | |
|:---|:---|
| **1.6** | **Property Valuation** |

---

Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

---

| | |
|:---|:---|
| **1.7** | **Loan-to-Value Ratio** |

---

Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

---

| | |
|:---|:---|
| **1.8** | **Credit History** |

---

Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

---

| | |
|:---|:---|
| **1.9** | **Credit Scores** |

---

Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines

---

| | |
|:---|:---|
| **1.10** | **Compensating Factors** |

---

Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

<br> 2. Document Review

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

---

| | |
|:---|:---|
| **2.1** | **Collateral Docs** |

---

<br> 2.1.1 Title Commitment / Policy

Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

<br> 2.1.2 Mortgage Note / Security Instrument

Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

<br> 2.1.3 Mortgage / Deed of Trust

Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

<br> 2.1.4 Conveyance Deed

Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

---

| | |
|:---|:---|
| **2.2** | **Closing Docs** |

---

<br> 2.2.1 Final Hud-1 Settlement Statement

If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

<br> 2.2.2 Final Truth-in-Lending Disclosure

If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 3<br>

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<br> 2.2.3 Notice of Right to Cancel

If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.4 If required verify the presence of the current Loan Estimate (LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.5 If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

---

| | |
|:---|:---|
| **2.3** | **Credit Docs** |

---

<br> 2.3.1 Loan Application

Verify the presence and completeness of both the initial and final loan applications.

<br> 2.3.2 Underwriting Worksheet

Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

<br> 2.3.3 Credit Report

Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

<br> 2.3.4 Housing Payment History

In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

<br> 2.3.5 Letters of Explanation

When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

<br> 2.3.6 Gift Letters

When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

<br> 2.3.7 Income Documentation

Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

<br> 2.3.8 Asset Documentation

Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

<br> 2.3.9 Property Valuation Tools

Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

<br> 2.3.10 Proof of Insurance

Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

<br> 3. Regulatory Compliance

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 4<br>

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implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending.

The regulatory compliance review will be conducted in line with the most recently dated Structured Finance Industry Group (SFIG) RMBS TRID Compliance Review Scope with an effective date of October 2018.

---

| | |
|:---|:---|
| **3.1** | **Third Party Fees** |

---

If a third party charge appears to be unreasonable based upon the reviewer's experience, the fee will be considered unreasonable for purposes of tolerance testing and finance charge calculation (as applicable).

---

| | |
|:---|:---|
| **3.2** | **Federal Truth in Lending Act/Regulation Z:** |

---

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s). Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

---

| | |
|:---|:---|
| **3.3** | **Business Days as Defined by Regulation Z:** |

---

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

---

| | |
|:---|:---|
| **3.4** | **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):** |

---

<br> 3.4.1 Initial Delivery: Creditor must deliver the Initial Disclosures within 3 "general" business days of application

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 5<br>

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<br> 3.4.2 No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

<br> 3.4.3 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

<br> 3.4.4 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

---

| | |
|:---|:---|
| 3.4.5 | APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼ of percent difference in APR based on regular or irregular payment stream. |

---

---

| | |
|:---|:---|
| **3.5** | **Home Ownership Equity Protection Act (HOEPA) testing, to include:** |

---

<br> 3.5.1 APR test [HOEPA (§1026.32(a)(1))] and [HPML(§1026.35(a)(1))]

---

| | |
|:---|:---|
| 3.5.1.1 | If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a six-month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative (look-back) testing was utilized. Other evidence in the file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined by the Client on a case by case basis. |

---

<br> 3.5.2 Points and Fees test [HOEPA (§1026.32(a)(2))]

<br> 3.5.3 Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

<br> 3.5.4 Review and confirm documentation type (i.e. full, stated, no ratio)

<br> 3.5.5 Review for evidence of prepayment penalty

<br> 3.5.6 Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

---

| | |
|:---|:---|
| **3.6** | **RESPA/Regulation X (Loans with an Application Date prior to 10/03/2015):**  |

---

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

<br> 3.6.1 Good Faith Estimate (GFE):

<br> 3.6.2 Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.6.3 Confirm the presence of the current GFE form in effect at the time of origination.

<br> 3.6.4 Verify the GFE was provided to the borrower(s) within three days of "Application".

<br> 3.6.5 Application shall be defined by Regulation X and generally be considered complete when the following seven conditions are met:

<br> 3.6.5.1 Borrower(s) First and Last Name

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 6<br>

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<br> 3.6.5.2 Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

<br> 3.6.5.3 Subject Property Address (including "To Be Determined")

---

| | |
|:---|:---|
| 3.6.5.4 | Mortgage Loan Amount Sought |

---

<br> 3.6.5.5 Estimation of Property Value

<br> 3.6.5.6 Monthly Income

<br> 3.6.5.7 Any other requirement as defined in the lender's policies and procedures

<br> 3.6.6 Consultant will verify that all Broker fees, including Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

<br> 3.6.7 Fees will be reviewed to ensure they are reasonable and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the document.

<br> 3.6.8 Analysis to determine whether a Changed Circumstance form is required to accompany each revised Good Faith Estimate (GFE)

<br> 3.6.9 Change of Circumstance Definition:

<br> 3.6.9.1 Acts of God, war, disaster or other emergency;

<br> 3.6.9.2 Information particular to borrower or transaction that was relied on in providing the GFE and that changes or is found to be inaccurate after GFE has been provided to borrower;

<br> 3.6.9.3 New information particular to the borrower or transaction that was not relied on in providing the GFE; or

<br> 3.6.9.4 Other circumstances that are particular to borrower or transaction, including boundary disputes, need for flood insurance or environmental problems

<br> 3.6.9.5 In the event any of the above occurs, the loan originator is required to provide a new revised GFE to the borrower within 3 business days of receiving information sufficient to establish "changed circumstances" and document the reason the revised GFE was provided.

---

| | |
|:---|:---|
| 3.6.9.6 | Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related to the rate may change. If borrower later locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms. All other charges and terms must remain the same as on the original GFE, except as otherwise provided above for "changed circumstances." |

---

<br> 3.6.10 Final HUD-1: Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.6.10.1 Confirm the presence of the current applicable Final HUD-1 form

<br> 3.6.10.2 Confirm the Final HUD-1 accurately lists all broker and YSP fees.

<br> 3.6.11 Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.6.11.1 Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

<br> 3.6.11.1.1 Origination Charge

<br> 3.6.11.1.2 Credit or Charge for Interest Rate Chosen

<br> 3.6.11.1.3 Adjusted Origination Charge

<br> 3.6.11.1.4 Transfer Taxes

---

| | |
|:---|:---|
| 3.6.11.2 | Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services: |

---

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<br> 3.6.11.2.1 Lender-required settlement services (lender selects third-party provider);

<br> 3.6.11.2.2 Lender-required services, title services and required title insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

<br> 3.6.11.2.3 Government recording charges

<br> 3.6.12 Analysis to confirm all fees are accurately reflected in the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1

<br> 3.6.13 Analysis to confirm lender accurately provided borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to

<br> 3.6.14 Analysis to confirm loan terms are accurately disclosed between the Good Faith Estimate (GFE) and Final HUD-1

<br> 3.6.15 Analysis to confirm page 3 of the HUD-1 accurately reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1

**QM / ATR (QUALIFIED MORTGAGE / ABILITY TO REPAY) DODD FRANK REVIEW (LOANS WITH APPLICATION DATE ON OR AFTER 01/10/2014) Covers Legacy QM Rules (applications on or after 01/10/2014) – elective compliance date of Revised QM Rules (applications on or after 3/1/2021) and mandatory of Revised QM Rules (applications on or after 10/1/2022)**

---

| | |
|:---|:---|
| **3.7** | **QM / ATR (Qualified Mortgage / Ability to Repay)** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1 Ability to Repay

• Consultant will incorporate checkpoints for the ATR's eight verification steps for any origination QC work. Consultant has the option to run ATR checks on any transactions subject to QM that falls outside the ability to meet QM guidelines, whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the ability to be screened for ATR if the QM testing fails or the loan is exempt from QM

• Consultant is required to verify all information within the scope of the eight verification steps before an ATR loan can pass. These eight tests include verifications of any amounts used in the loan consideration and a page(s) reference to the third-party records/documentation/images

<br> o Income and Assets

<br> o Current Employment Status

<br> o Monthly qualifying payments for the proposed loan

<br> o Monthly payment on any simultaneous loans

<br> o Monthly payment for mortgage related obligations for the proposed loans

<br> o Debts, alimony and child support

<br> o Qualifying monthly DTI and/or residual income

<br> o Credit History

• If all of the verifications are made and each of the eight topic areas is confirmed to agree with the representations made by the lender, and there are no credit exceptions to the lender's guidelines, the loan will pass the ATR test. If any of the conditions fail or the loan lacks the documentation to support the stated values in any of the areas, affected items will not be considered verified and the loan will be subject to failing the ATR test.

<br> • ATR results will be reported as ATR-Pass. ATR-Fail and ATR-Exempt. This is in addition to existing credit and compliance related reporting by the Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.2 <u>Qualified Mortgage</u>**

Consultant's scope includes review of all available QM types:

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<br> • Legacy QM (for applications taken on or after January 10, 2014 until September 30, 2022);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Revised QM (for applications taken on or after March 1, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Agency QM (for applications taken on or after January 10, 2014 until June 30, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Agency QM with APOR (for applications taken on or after July 1, 2021); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Government QM (for applications taken on or after January 10, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.3 <u>Generally Applicable Factor</u>**

The following factors are reviewed for Legacy, Revised and Agency QM categories:

• **REGULAR PAYMENTS**. Provides for regular periodic payments that are substantially equal, except for the effect of certain interest rate changes for adjustable or step rates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **TERM**. Loan term does not exceed 30 years.

• **POINTS AND FEES.** Points and fees do not exceed the applicable threshold for the appropriate loan amount.

<u>QM Rules Points and Fees Testing.</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) Points and fees include:

<br> o Finance charges, unless excluded;

<br> o The portion of upfront private mortgage insurance that exceeds FHA premiums;

<br> o Loan originator compensation – Compensation/YSP known at the time of the consummation will be included but Consultant does not review lender or broker compensation programs as part of its QM testing;

<br> o Real estate-related fees if the creditor receives direct or indirect compensation in connection with the fee or charge, the fee or charge is paid to a creditor affiliate or the fee or charge is not reasonable;

<br> o Premiums for credit insurance, credit property insurance, and other insurances where the creditor is the beneficiary, debt cancellation or suspension coverage payments;

<br> o Maximum prepayment penalty; and

<br> o Prepayment penalty paid in a refinance.

&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) Points and fees exclude:

<br> o Interest;

<br> o Bona fide third-party charges not retained by the creditor;

<br> o Government mortgage insurance premiums;

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|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | Private mortgage insurance premiums up to an amount equal to government insurance premiums; |

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|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | Up to two bona fide discount points if the interest before the discount does not exceed APOR by 1% based on a calculation that is consistent with established industry practices for determining the amount of reduction in the interest rate or time-price differential appropriate for the amount of discount points paid by the consumer; if no discount points excluded up to one bona fide discount point if the loan's interest rate before the discount does not exceed APOR 2%; and |

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<br> o Sellers points

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (C) A loan is a QM loan if the points and fees do not exceed (values marked with "\*" are indexed for inflation):

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| &nbsp;&nbsp;&nbsp;&nbsp;o | 3 percent of the total loan amount for a loan greater than or equal to $100,000;\* |

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|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | $3,000\* for a loan greater than or equal to $60,000\* but less than $100,000;\* |

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| &nbsp;&nbsp;&nbsp;&nbsp;o | 5 percent of the total loan amount for a loan greater than or equal to $20,000\* but less than $60,000;\* |

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|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | $1,000\* for a loan greater than or equal to $12,500\* but less than $20,000;\* |

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|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | 8 percent of the total loan amount for a loan less than $12,500\* |

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|:---|:---|
| **3.7.4** | **Legacy QM** |

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In addition to the Generally Applicable Factors above, all Legacy QM loans must meet the following:

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

• **Appendix Q.** Considers and verifies income, assets, employment, and debts in accordance with Appendix Q.

• **DTI.** The DTI ratio of total monthly debt to total monthly income does not exceed 43 percent.

**Verified**. Only verified amounts will be included in the QM debt-to-income test - verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts. The calculated value will be the verified debts divided by the verified income represented as a ratio, with amounts less than or equal to 43.00% passing, and anything above 43.00% failing. Failing this test also results in returning an overall QM status of Fail.

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|:---|:---|
| **3.7.5** | **Revised QM** |

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In addition to the Generally Applicable Factors above, all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.5.1 Monthly Payment.**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.5.2 Consider and Verify.**

The creditor considers and verifies the consumer's current or expected income and assets and debt and his DTI or residual income

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

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 • **Consider and Verify Safe Harbor.** Creditor is deemed to have complied with this "verify" requirement if it complies with the verification standards in one or more of these following agency manuals:

<br> - Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

- Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

- Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single-Family Housing Policy Handbook, issued October 24, 2019;

- Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

- 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

- Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single-Family Guaranteed Loan Program, revised March 19, 2020.

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

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<br> • Revised versions of manuals. A creditor also complies with the verified safe harbor where is complies with revised versions of the manuals listed above provided that the two versions are "substantially similar".

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

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

• Note: due to the inherent subjectivity of the foregoing "consider" and "verify" requirements, Consultant will review the creditor's (or client's, as the case may be) (i) policies and procedures and worksheets and (ii) methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized) for content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply with applicable 

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<br>law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider would reach the same conclusions using such work product.

• APOR. The APR on the loan does not exceed the threshold for the loan amount (values marked with "\*" are indexed for inflation):

For a first-lien loan with a loan amount greater than or equal to $110,260,\* 2.25% or more percentage points;<br>

For a first-lien loan with a loan amount greater than or equal to $66,156\* but less than $110,260\*, 3.5% or more;<br>

For a first lien loan with a loan amount less than $66,156,\* 6.5 or more percentage points;<br>

For a subordinate-lien loan with a loan amount great than or equal to $66,156\*, 3.5 or more percentage points; and<br>

For a subordinate-lien loan with a loan amount less than $66,156\*, 6.5 or more percentage points.<br>

Short Term ARMs. The APR used on short term ARMs of five years or less uses the maximum rate in the first five years for the entire term of the loan.

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|:---|:---|
| **3.7.6** | **Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch** |

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In addition to the Generally Applicable Factors above, all Agency QM loans must be eligible for sale to Fannie Mae or Freddie Mac. The selling guides for the agencies include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disposable Income

#### Agency QM with APOR/ General Qualified Mortgage (QM) testing

Meets the test for "Agency QM" and the APOR test applicable for Revised QM.

#### Government QM/ General Qualified Mortgage (QM) testing

A Government QM is defined as a qualified mortgage by the U.S. Department of Housing and Urban Development under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38 CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department of Agriculture under 7 CFR 3555.109. The guidelines include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disposable Income

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| **3.7.7**  | **Safe Harbor for Revised QM Rules** |

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For first-lien transactions, a loan receives a conclusive presumption that the consumer had the ability to repay (and hence receives the "safe harbor" presumption of QM compliance) if the APR does not exceed the APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest rate is set. A first-lien loan receives a "rebuttable presumption" that the consumer had the ability to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points. There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing loans—all of which will be tested by Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8 QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)

For QM/TQM testing, the results of the debt-to-income test (QM) or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested by the rating agencies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / Non-HPML &nbsp;&nbsp;&nbsp;&nbsp;[QM or TQM – Pass / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / HPML &nbsp;&nbsp;&nbsp;&nbsp; [QM or TQM – Pass / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR Fail / Non-HPML &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [QM or TQM – Fail / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR Fail / HPML &nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp; [QM or TQM - Fail / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NonQM / Compliant &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [NonQM or TQM Loan, Exempt / ATR – Compliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NonQM / Noncompliant&nbsp;&nbsp;&nbsp;&nbsp; [NonQM or TQM Loan, Exempt / ATR –Noncompliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not Covered – / Exempt &nbsp;&nbsp;&nbsp;&nbsp; [QM or TQM – Exempt / ATR – Exempt]

For Revised QM Rules testing, the following results will be provided to establish Verified Safe Harbor designation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• VSH Confirmed [Verified Safe Harbor}

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NVSH Confirmed [Not Verified Safe Harbor]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9 For Legacy and Revised QM Rules

• Current testing for Higher Priced Covered Transactions will be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Covered Transaction if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium factor

Capitalized terms used herein, unless defined where used, shall have the meanings ascribed to such terms in the SOW. This constitutes the entire agreement and understanding between the Parties with respect to amending the SOW. Except as expressly set forth in this Amendment, the terms and conditions of the SOW are hereby ratified, confirmed and approved in their entirety and shall continue in full force and

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effect, enforceable in accordance therewith and shall govern this Amendment. This Amendment may be executed in one or more counterparts, including facsimile counterparts, each of which, when so executed, shall be deemed an original and all of which, together, shall constitute one and the same instrument.

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| **3.8** | Additional Disclosures and Requirements: |

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Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

<br> 3.8.1 Servicing Transfer Disclosure (for applications prior to 10/03/2015):

<br> 3.8.1.1 Confirm the presence of the Servicing Transfer Disclosure form in file

<br> 3.8.1.2 Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

<br> 3.8.2 Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

<br> 3.8.2.1 Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

<br> 3.8.2.2 Confirm the Home Loan Tool Kit is provided within three general business days of application

<br> 3.8.3 Affiliated Business Disclosure

<br> 3.8.3.1 Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

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|:---|:---|
| 3.8.3.2 | Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third-party services) |

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<br> 3.8.3.3 Confirm the Affiliated Business Disclosure is executed.

<br> 3.8.4 Initial Escrow Disclosure Statement

<br> 3.8.4.1 Confirm the presence of the Initial Escrow Disclosure Statement in file

<br> 3.8.4.2 Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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| **3.9** | **National Flood Insurance Program (NFIP)** |

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Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

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|:---|:---|
| **3.10** | **Homeowner's Flood Affordability Act (HFIAA)** |

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Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured

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by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016

<br> 3.10.1 Frequency – Payable with same frequency as payments designated for the loans

<br> 3.10.2 Exceptions

<br> 3.10.2.1 Loan is an extension of credit primarily for business, commercial or agricultural purposes

<br> 3.10.2.2 Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

<br> 3.10.2.3 Flood Insurance coverage for the residential real estate is provided by a policy that

<br> 3.10.2.3.1 Meets requirements

<br> 3.10.2.3.2 Provided by a condominium association, cooperative or other applicable group and

<br> 3.10.2.3.3 The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

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| **3.11** | **Equal Credit Opportunity Act (Regulation B)** |

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<br> 3.11.1 Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

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|:---|:---|
| 3.11.2 | Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)? |

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|:---|:---|
| 3.11.3 | For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation. |

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|:---|:---|
| **3.12** | **Fair Credit Report Act (Regulation V)** |

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|:---|:---|
| 3.12.1 | Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval <br>|

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<br>decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

<br> 3.12.2 Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

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|:---|:---|
| **3.13** | **Regulatory Compliance Disclaimer** |

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. 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 potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant 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.

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|:---|:---|
| **3.14** | **Seasoning and Certain Compliance Exceptions** |

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Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports 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 loan.

<br> 4. High Cost - State & Local Anti-Predatory Regulations:

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable

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regulations implemented during the Term of this SOW – legal guidance documentation available for detailed discussion, if necessary:

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|:---|:---|
| **4.1** | Arkansas Home Loan Protection Act, AR. Stat. Ann. § 23-53-101 et seq. |

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|:---|:---|
| **4.2** | California Anti-Predatory Lending Statute, CA. Fin. Code § 4970 et seq. |

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|:---|:---|
| **4.3** | California Higher Priced Mortgage Loan Statute, CA. Fin Code § 4995 et seq. |

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|:---|:---|
| **4.4** | Colorado Consumer Equity Protection Act, CO. Rev. Stat. § 5-3.5-101 et seq. and as amended by Senate Bill 216 (2007) and House Bill 1322 (2007) |

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|:---|:---|
| **4.5** | Colorado Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq. |

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|:---|:---|
| **4.6** | Connecticut Abusive Home Loan Lending Practices Act, CT. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, CT. House Bill 5577 (2008). |

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|:---|:---|
| **4.7** | Connecticut Nonprime Home Loan Statute, CT. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949. |

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|:---|:---|
| **4.8** | 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. and DC Mortgage Disclosure Act of 2007. |

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| | |
|:---|:---|
| **4.9** | Florida Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq. |

---

---

| | |
|:---|:---|
| **4.10** | 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) |

---

---

| | |
|:---|:---|
| **4.11** | Idaho Residential Mortgage Practices Act, ID. Code § 26-3101 et seq. |

---

---

| | |
|:---|:---|
| **4.12** | Illinois High Risk Home Act, IL. Comp Stat. tit. 815, §§137/5 et seq. |

---

---

| | |
|:---|:---|
| **4.13** | Illinois High Risk Home Loan Regulations, 38 IL. Admin. Code § 345.10 et seq. |

---

---

| | |
|:---|:---|
| **4.14** | Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003). |

---

---

| | |
|:---|:---|
| **4.15** | 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. |

---

---

| | |
|:---|:---|
| **4.16** | Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007). |

---

---

| | |
|:---|:---|
| **4.17** | Indiana Home Loan Practices Act, IN. Code § 24-9-1-1 et seq. and as amended by 2005 In. P.L. 141 § 6 P2013-011. |

---

---

| | |
|:---|:---|
| **4.18** | Kansas Consumer Credit Code, KS. Stat. Ann. § 16a-1-101 et seq. Sections 16a-1-301, 16a-3-207 and 16a-3-308a. |

---

---

| | |
|:---|:---|
| **4.19** | Kentucky Anti-Predatory Lending Statute, KY. Rev. Stat. § 360.100 et seq. and as amended by KY. House Bill 552 (2008). |

---

---

| | |
|:---|:---|
| **4.20** | Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A ME. Rev. Stat. Ann. §§ 8-101; 8-103(1); 8-206(8); 8-206A and ME. Legislative Document 1869 (2007). |

---

---

| | |
|:---|:---|
| **4.21** | Maryland Commercial Law, MD. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by MD. Senate Bill 270 (2008) and Maryland Regulations under the MD. Mortgage Lender Law (2009). |

---

---

| | |
|:---|:---|
| **4.22** | Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the MD. Mortgage Lender Law, MD. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; MD. Code Regs. §§ 09.03.06.01 et seq. |

---

---

| | |
|:---|:---|
| **4.23** | Massachusetts High Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA. House Bill 4387 (2008) 20. MA. Predatory Home Loan Practices Act, M.G.L. Chapter 183(C). |

---

---

| | |
|:---|:---|
| **4.24** | Massachusetts Regulations for Higher Priced Mortgage Loans, 209 MA. Code Regs. §§ 32.00 |

---

---

| | |
|:---|:---|
| **4.25** | Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C. |

---

---

| | |
|:---|:---|
| **4.26** | Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17). |

---

---

| | |
|:---|:---|
| **4.27** | Michigan Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631 et seq. |

---

---

| | |
|:---|:---|
| **4.28** | 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). |

---

---

| | |
|:---|:---|
| **4.29** | Nebraska Mortgage Bankers Registration and Licensing Act, NE. Stat.§ 45-702 et seq. |

---

---

| | |
|:---|:---|
| **4.30** | Nevada Anti-Predatory Lending Law, NV. Rev. Stat. § 598D.010 et seq. and as amended by AB 440 and 492. |

---

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 17<br>

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---

| | |
|:---|:---|
| **4.31** | New Jersey Home Ownership Security Act of 2002, NJ. Stat. Ann. § C:46:10B-22 et seq. and as amended by PL. 2004, Ch. 84 § 1. |

---

---

| | |
|:---|:---|
| **4.32** | New Mexico Home Loan Protection Act, NM. Stat. Ann. § 58-21A-1 et seq. and as amended by Senate Bill 342 (2009). |

---

---

| | |
|:---|:---|
| **4.33** | New York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001). |

---

---

| | |
|:---|:---|
| **4.34** | New York High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-l (2003) and 6-m (2008). |

---

---

| | |
|:---|:---|
| **4.35** | North Carolina Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) and as amended by House Bill 1817 (2007). |

---

---

| | |
|:---|:---|
| **4.36** | Ohio Anti-Predatory Lending Statute, OH. Rev. Code Ann. §§ 1349.25 to 1349.37and § 1.63 and as amended by S.B. 185. |

---

---

| | |
|:---|:---|
| **4.37** | City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003. |

---

---

| | |
|:---|:---|
| **4.38** | Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003). |

---

---

| | |
|:---|:---|
| **4.39** | Oklahoma Higher –Priced Mortgage Loans Law, OK. Admin. Code §§ 160:45-9-1 et seq. |

---

---

| | |
|:---|:---|
| **4.40** | Pennsylvania Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann. § 456.501 et seq. |

---

---

| | |
|:---|:---|
| **4.41** | City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended. |

---

---

| | |
|:---|:---|
| **4.42** | Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI. Gen. Laws. §§ 34-25.2-1 et seq., including the Emergency and Final Regulations. |

---

---

| | |
|:---|:---|
| **4.43** | South Carolina High-Cost and Consumer Home Loans Act, SC. Code § 37-23-10 et seq. |

---

---

| | |
|:---|:---|
| **4.44** | South Carolina Consumer Protection Code, SC. Code 37-1-101 et seq. |

---

---

| | |
|:---|:---|
| **4.45** | Tennessee Home Loan Protection Act, TN. Code Annotated §§ 45-20-101 et seq., Title 47 et seq. |

---

---

| | |
|:---|:---|
| **4.46** | Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq. |

---

---

| | |
|:---|:---|
| **4.47** | Texas Constitution, Section 50(a)(6), Article XVI |

---

---

| | |
|:---|:---|
| **4.48** | Utah Residential Mortgage Practices Amendments, UT. Code Ann. § 61- 2c-102 et seq. |

---

---

| | |
|:---|:---|
| **4.49** | Utah High Cost Home Loan Act, UT. Code § 61-2d-101 et seq. |

---

---

| | |
|:---|:---|
| **4.50** | Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2. |

---

---

| | |
|:---|:---|
| **4.51** | 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. |

---

---

| | |
|:---|:---|
| **4.52** | 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. |

---

---

| | |
|:---|:---|
| **4.53** | Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008. |

---

---

| | |
|:---|:---|
| **4.54** | Wisconsin Responsible High Cost Mortgage Lending Act, WI. Stat. § 428.202. |

---

---

| | |
|:---|:---|
| **4.55** | West Virginia Residential Mortgage Lender, Broker and Servicer Act, WV. Code § 31-17-1 et seq. |

---

---

| | |
|:---|:---|
| **4.56** | Wyoming Credit Code, WY. Stat. Ann. §§ 40-14-101 et seq. |

---

<br> 5. &nbsp;&nbsp;&nbsp;&nbsp;Misrepresentation and Third Party Product Review

Validate that fraud reports and independent third party property valuations reports are in the file. The review will consist of the following:

---

| | |
|:---|:---|
| **5.1** | **Misrepresentation Review** |

---

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

<br> 5.1.1 Signatures

Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

<br> 5.1.2 Alerts

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 18<br>

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Assess credit report alerts for accuracy and potential issues.

<br> 5.1.3 Social Security Numbers

Compare SSN(s) across all file documents.

<br> 5.1.4 Document Integrity

Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

<br> 5.1.5 Data Consistency

Review the documents contained in the loan file for consistency of data.

<br> 5.1.6 Third Party Fraud Tools

To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

---

| | |
|:---|:---|
| **5.2** | **Independent Third Party Values** |

---

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products.

---

| | |
|:---|:---|
| 5.2.1 | For loans seasoned less than 12 months a retroactive desk review will generally be ordered. If the retroactive desk review supports the origination appraised value within a 10% variance no additional products will be required. If the retroactive desk review does not support the original appraised value within a 10% variance, a secondary valuation product such as a field review or drive-by appraisal will be required. If the loan is seasoned more than 12 months generally a BPO can be ordered. The seasoning and products can be adjusted to meet specific rating agency requirements. |

---

<br> 5.2.2 Consultant will also perform the following steps

<br> 5.2.2.1 Based on review of the original appraisal

<br> 5.2.2.1.1 Property is complete

<br> 5.2.2.1.2 Value is based on as-is condition

<br> 5.2.2.1.3 Property is described as average or better condition

<br> 5.2.2.1.4 No apparent appraiser independence violation statements

<br> 5.2.2.1.5 Appraisal addresses any adverse comments

<br> 5.2.2.2 Appraisal is completed on appropriate GSE Form

<br> 5.2.2.2.1 Appraisal contains required attachments

<br> 5.2.2.3 Appraiser was appropriately licensed at the time the appraisal was signed

---

| | |
|:---|:---|
| 5.2.3 | If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal. |

---

<br> 5.2.4 Value Review Disclaimer

<br> 5.2.4.1 The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily <br>

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 19<br>

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<br>licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

<br> 5.2.4.2 Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

<br> 5.2.4.3 Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

<br> 5.2.4.4 Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore opus will not have and communications with or responsibility to any individual concerning property valuations.

---

| | |
|:---|:---|
| **5.3** | **Payment History and Servicing Comments** |

---

If a loan is seasoned more than 12 months, the Client will provide payment histories and servicing comments for (i) 36 months, or (ii) the time period required by the rating agencies. The Consultant will review the provided payment histories and comments to determine the following:

<br> 5.3.1 – Timely payment posting

<br> 5.3.2 – Request for modification

<br> 5.3.3 – Property condition issues

<br> 5.3.4 – Change in occupancy

<br> 5.3.5 – Change in ability to pay

<br> 5.3.6 – Other items impacting the enforcement of the lien

---

| | |
|:---|:---|
| **5.4** | **Title Reports** |

---

<br> 5.4.1 If the loan is season over 24 months Consultant will facilitate the ordering of title reports. Consultant and client agree the vendor providing the title reports will be responsible for issuing a separate 15E.

<br> 5.4.2 Consultant is not responsible for the accuracy of the title reports, nor makes any representations or warranties with respect to any of the information contained in the title reports.

---

| | |
|:---|:---|
| **5.5** | **Updated FICO Scores** |

---

If the FICO score contained in the loan file is aged more than 6 months, an updated FICO score will be required

---

| | |
|:---|:---|
| **5.6** | **Properties in FEMA declared disaster zones.** |

---

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure

<br> 5.6.1 No apparent damage to the property

<br> 5.6.2 Property appears to be occupied

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<br> 6. Data Compare

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance. Consultant and Client can mutually agree to change the listed fields a review by review basis.

---

| | |
|:---|:---|
| **6.1** | - Appraised Value |

---

---

| | |
|:---|:---|
| **6.2** | CLTV |

---

---

| | |
|:---|:---|
| **6.3** | DTI |

---

---

| | |
|:---|:---|
| **6.4** | FICO |

---

---

| | |
|:---|:---|
| **6.5** | Interest Only |

---

---

| | |
|:---|:---|
| **6.6** | Interest Rate |

---

---

| | |
|:---|:---|
| **6.7** | Loan Term |

---

---

| | |
|:---|:---|
| **6.8** | Loan Purpose |

---

---

| | |
|:---|:---|
| **6.9** | LTV |

---

---

| | |
|:---|:---|
| **6.10** | Occupancy |

---

---

| | |
|:---|:---|
| **6.11** | Original Balance |

---

---

| | |
|:---|:---|
| **6.12** | Property Address |

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---

| | |
|:---|:---|
| **6.13** | Property City |

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---

| | |
|:---|:---|
| **6.14** | Property State |

---

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| | |
|:---|:---|
| **6.15** | Property Type |

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| | |
|:---|:---|
| **6.16** | Sales Price |

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| | |
|:---|:---|
| **6.17** | Second Mortgage Lien Amount |

---

---

| | |
|:---|:---|
| **6.18** | Self Employed |

---

---

| | |
|:---|:---|
| **6.19** | Units |

---

---

| | |
|:---|:---|
| **6.20** | Zip Code |

---

---

| | |
|:---|:---|
| **6.21** | Loan Type |

---

---

| | |
|:---|:---|
| **6.22** | QM Status |

---

<br> 7. Fitch Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

<br> 8. Moody's Grading Criteria

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 21<br>

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Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Kroll Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

<br> 10. Standard & Poor's Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

<br> 11. DBRS Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

<br> 12. Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

---

| | |
|:---|:---|
| **12.1** | **&nbsp;&nbsp;&nbsp;&nbsp;Opus Credit Grades** |

---

<br> 12.1.1 Opus Level 1 Credit Grade Definition

Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

<br> 12.1.2 Opus Level 2 Credit Grade Definition

Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

<br> 12.1.3 Opus Level 3 Credit Grade Definition

Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

---

| | |
|:---|:---|
| **12.2** | Opus Property Grades |

---

<br> 12.2.1 Opus Level 1 Property Grade Definition

Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

<br> 12.2.2 Opus Level 2 Property Grade Definition

Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

<br> 12.2.3 Opus Level 3 Property Grade Definition

Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

---

| | |
|:---|:---|
| **12.3** | Opus Compliance Grades |

---

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 22<br>

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<br> 12.3.1 Opus Level 1 Compliance Grade Definition

Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

<br> 12.3.2 Opus Level 2 Compliance Grade Definition

There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

<br> 12.3.3 Opus Level 3 Compliance Grade Definition

Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 23<br>

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#### Pool Details

---

| | | |
|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |
| Type | Count | % of Pool |
| Cash out Refi | 1 | 2.78% |
| Purchase | 28 | 77.78% |
| Rate / Term Refi | 7 | 19.44% |
| **Total** | **36** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
|  **Property Type** | **Property Type** | **Property Type** |
|  Type | Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; % of Pool |
| Single Family Detached | 10 | 27.78% |
| Co-op | 0 | 0.00% |
| Condo, Low Rise | 5 | 13.89% |
| Condo, High Rise | 0 | 0.00% |
| PUD | 16 | 44.44% |
| 1 Family Attached | 5 | 13.89% |
| 2 Family | 0 | 0.00% |
| 3 Family | 0 | 0.00% |
| 4 Family | 0 | 0.00% |
| **Total** | **36** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
|  **Occupancy** | **Occupancy** | **Occupancy** |
|  Type | Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; % of Pool |
| Primary Residence | 3 | 8.33% |
| Second Home | 33 | 91.67% |
| Investment Property | 0 | 0.00% |
| **Total** | **36** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
|  **Product Type** | **Product Type** | **Product Type** |
|  Type | Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; % of Pool |
| Fixed | 36 | 100.00% |
| ARM | 0 | 0.00% |
| **Total** | **36** | **100.00%** |

---

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 24<br>

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#### Tape Discrepancies

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Data Element** | **Count** | **Accuracy** |
| Note Date | 1 | 97.22% |
| Property Type | 2 | 94.44% |
| Qualifying Total Debt Income Ratio | 14 | 61.11% |
| **Total Loans** | **36** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**Property Inspection Waivers:** Six (6) loans contained Property Inspections Waivers (PIW). One (1) BPO was obtained as a secondary product to confirm the value indicated on the PIW; and five (5) 2055 Exterior Only Inspection Reports were obtained as a secondary product to confirm the value indicated on the PIW. An initial grade property value grade of a "C" was assigned to the PIW loans. If the secondary product supported the value indicated on the PIW, a final property grade of a "B" was assigned.

#### Loan Grading Definitions

#### Credit

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| S&P | Moody's | Fitch | Kroll | DBRS | Definition |
| A | A | A | A | A | Loan conforms to all applicable guidelines, no conditions noted |
| B | B | B | B | B | Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| C | C | C | C | C | The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| D | D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

#### Compliance

---

| | | | | |
|:---|:---|:---|:---|:---|
| S&P | Moody's | Kroll | DBRS | Definition |
| A | A | A | A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | B | B | B | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |

---

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 25<br>

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<u> C </u> <u> C </u> <u> C </u> <u> C </u> <u> The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations </u> <br> <u> D </u> <u> D </u> <u> D </u> <u> D </u> <u> The loan file is missing critical documentation required to perform the review </u>

---

| | |
|:---|:---|
| Fitch | Definition |
| A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | The loan file is missing critical documentation required to perform the review |

---

#### Property Valuation

---

| | |
|:---|:---|
| Moody's | Definition |
| A | Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | Meets all terms for an A, but property requires cosmetic or minor repairs that do not effect value or habitability |
| C | Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| S&P | Definition |
| A | First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not effect value or habitability |

---

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 26<br>

------

C Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines

D The loan file was missing the appraisal and/or other valuations products needed to complete the review

#### Loan Review Findings

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated May 27, 2026.

#### Overall Grade Summary

---

| | | |
|:---|:---|:---|
|  **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
|  A | 28 | 77.78% |
|  B | 8 | 22.22% |
|  C | 0 | 0.00% |
|  D | 0 | 0.00% |

---

#### Compliance Grade Summary

---

| | | |
|:---|:---|:---|
|  **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
|  A | 34 | 94.44% |
|  B | 2 | 5.56% |
|  C | 0 | 0.00% |
|  D | 0 | 0.00% |

---

#### Credit Grade Summary

---

| | | |
|:---|:---|:---|
|  **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
|  A | 36 | 100.00% |
|  B | 0 | 0.00% |
|  C | 0 | 0.00% |
|  D | 0 | 0.00% |

---

#### Property Grade Summary

---

| | | |
|:---|:---|:---|
|  **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
|  A | 30 | 83.33% |
|  B | 6 | 16.67% |
|  C | 0 | 0.00% |
|  D | 0 | 0.00% |

---

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 27<br>

------

#### Loans Reviewed (36 Loans)

---

| | |
|:---|:---|
| **Count** | **Loan ID** |
| 1 | 20260527001 |
| 2 | 20260527002 |
| 3 | 20260527003 |
| 4 | 20260527004 |
| 5 | 20260527005 |
| 6 | 20260527006 |
| 7 | 20260527007 |
| 8 | 20260527008 |
| 9 | 20260527009 |
| 10 | 20260527010 |
| 11 | 20260527011 |
| 12 | 20260527012 |
| 13 | 20260527013 |
| 14 | 20260527014 |
| 15 | 20260527015 |
| 16 | 20260527016 |
| 17 | 20260527017 |
| 18 | 20260527018 |
| 19 | 20260527019 |
| 20 | 20260527020 |
| 21 | 20260527021 |
| 22 | 20260527022 |
| 23 | 20260527023 |
| 24 | 20260527024 |
| 25 | 20260527025 |
| 26 | 20260527026 |
| 27 | 20260527027 |
| 28 | 20260527028 |
| 29 | 20260527029 |
| 30 | 20260527030 |
| 31 | 20260527031 |
| 32 | 20260527032 |
| 33 | 20260527033 |
| 34 | 20260527034 |
| 35 | 20260527035 |
| 36 | 20260527036 |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

Opus Privileged and Confidential Public&nbsp;&nbsp;&nbsp;&nbsp;Page 28<br>

## Exhibit 99.4

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Original Loan Amount** |
| XXXXXX | XXXXXX | XXXXXX | 20260527025 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527034 | $XXXXXX<br> A<br> C |
| XXXXXX | XXXXXX | XXXXXX | 20260527024 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527017 | $XXXXXX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 20260527007 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527011 | $XXXXXX<br> A<br> C<br> B |
| XXXXXX | XXXXXX | XXXXXX | 20260527005 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527021 | $XXXXXX<br> A<br> C<br> B |
| XXXXXX | XXXXXX | XXXXXX | 20260527032 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527001 | $XXXXXX<br> A<br> C<br> B |
| XXXXXX | XXXXXX | XXXXXX | 20260527019 | $XXXXXX<br> A<br> C |
| XXXXXX | XXXXXX | XXXXXX | 20260527030 | $XXXXXX<br> A<br> C |
| XXXXXX | XXXXXX | XXXXXX | 20260527018 | $XXXXXX<br> A<br> C |
| XXXXXX | XXXXXX | XXXXXX | 20260527033 | $XXXXXX<br> A<br> C |
| XXXXXX | XXXXXX | XXXXXX | 20260527022 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527035 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527012 | $XXXXXX<br> A<br> C |
| XXXXXX | XXXXXX | XXXXXX | 20260527020 | $XXXXXX<br> A<br> C<br> B |
| XXXXXX | XXXXXX | XXXXXX | 20260527036 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527010 | $XXXXXX<br> A<br> C<br> B |
| XXXXXX | XXXXXX | XXXXXX | 20260527028 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527008 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527029 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527023 | $XXXXXX<br> A<br> C |
| XXXXXX | XXXXXX | XXXXXX | 20260527015 | $XXXXXX<br> A<br> C<br> B |
| XXXXXX | XXXXXX | XXXXXX | 20260527031 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527014 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527013 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527006 | $XXXXXX<br> A<br> C |
| XXXXXX | XXXXXX | XXXXXX | 20260527026 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527004 | $XXXXXX<br> A<br> C |
| XXXXXX | XXXXXX | XXXXXX | 20260527003 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527016 | $XXXXXX<br> A<br> C<br> B |
| XXXXXX | XXXXXX | XXXXXX | 20260527027 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527002 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 20260527009 | $XXXXXX<br> A<br> C<br> B |

---

## Exhibit 99.4

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt 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 DTI/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?** |
| XXXXXXXX <br>| XXXXXXXX | XXXXXXXX | 20260527025 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) <br>| QM: Safe Harbor APOR (APOR SH) <br>| No |  | No | No | No | No | No | No | No | No | No | No | No | 10468.52 | 7.406 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18796.33 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527034 | XX/XX/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 | 27213.0 | 6.475 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16387.67 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527024 | XX/XX/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 | 10455.66 | 6.525 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21861.88 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527017 | XX/XX/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 | 8585.86 | 6.132 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37284.19 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527007 | XX/XX/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 | 10013.0 | 6.377 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8765.25 | N/A | Retired | Retired | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527011 | XX/XX/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 | 9437.44 | 6.605 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12985.61 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527005 | XX/XX/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 | 10965.88 | 6.242 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8022.39 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527021 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5119.04 | 6.16 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11666.94 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527032 | XX/XX/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 | 13250.15 | 6.24 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 250606.25 | N/A | Employed | Not Employed | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527001 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 995.0 | 6.179 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 206756.38 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527019 | XX/XX/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 | 2516.88 | 6.481 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6157.84 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527030 | XX/XX/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 | 1380.0 | 7.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4756.81 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527018 | XX/XX/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 | 5405.97 | 6.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13092.19 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527033 | XX/XX/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 | 1900.0 | 6.078 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12569.4 | N/A | Employed | Retired | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527022 | XX/XX/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 | 1690.0 | 6.721 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9518.48 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527035 | XX/XX/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 | 1990.0 | 6.168 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20735.83 | N/A | Employed | Not Employed | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527012 | XX/XX/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 | 1590.0 | 6.612 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14599.63 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527020 | XX/XX/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 | 1500.0 | 6.096 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7323.59 | N/A | Retired |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527036 | XX/XX/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 | 2369.75 | 6.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18146.08 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527010 | XX/XX/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 | 0.0 | 7.5 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12509.65 | N/A | Employed | Retired | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527028 | XX/XX/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 | 1330.0 | 6.187 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14595.08 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527008 | XX/XX/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 | 1695.0 | 6.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3894.45 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527029 | XX/XX/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 | 9955.57 | 6.828 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10033.4 | N/A | Employed | Retired | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527023 | XX/XX/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 | 500.0 | 5.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12199.64 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527015 | XX/XX/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 | 1395.0 | 6.562 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20283.25 | N/A | Retired | Retired | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527031 | XX/XX/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 | 3366.2 | 6.358 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5620.98 | N/A | Retired |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527014 | XX/XX/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 | 1390.0 | 6.538 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12466.3 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527013 | XX/XX/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 | 7535.0 | 6.579 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23820.84 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527006 | XX/XX/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 | 3360.0 | 6.649 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9549.04 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527026 | XX/XX/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 | 1940.0 | 5.948 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11624.92 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527004 | XX/XX/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 | 1940.0 | 5.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13549.38 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527003 | XX/XX/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 | 3725.92 | 6.705 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13656.46 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527016 | XX/XX/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 | 0.0 | 6.661 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18510.57 | N/A | Retired | Retired | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527027 | XX/XX/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 | 1195.0 | 6.56 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13276.87 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527002 | XX/XX/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 | 5089.76 | 6.588 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6993.07 | N/A | Retired | Retired | No | No | No |  |
| XXXXXXXX | XXXXXXXX | XXXXXXXX | 20260527009 | XX/XX/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 | 3921.6 | 6.688 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27056.49 | N/A | Employed | Employed | No | No | No |  |

---

## Exhibit 99.4

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy 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** | **Maturity Date** | **Other Lien Interest Rate** | **Initial HELOC Draw Amount** | **Buy Down Period** | **Buy Down Active Flag** | **Buy Down Term** | **Buy Down Frequency** | **Buy Down Rate 1** | **Buy Down Borrower Monthly Payment 1** | **Buy Down Subsidized Monthly Payment 1** | **Buy Down Rate 2** | **Buy Down Borrower Monthly Payment 2** | **Buy Down Subsidized Monthly Payment 2** | **Buy Down Rate 3** | **Buy Down Borrower Monthly Payment 3** | **Buy Down Subsidized Monthly Payment 3** | **Donor of Buy Down Funds** | **MERS Loan Number** |
| XXXXXX | XXXXXX | XXXXXX | 20260527025 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 6 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $10468.52 | 02/XX/2026 | 6.100% | DU | Approve Eligible | No | XX.XX% |  | 7.125% | 7.125% | $3444.05 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $3826.97 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 42.22% | 42.22% | 42.22% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 36 | 31 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 71163.66 | 18.6 | 71163.66 | 18.6 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527034 | Agency | DU | XXXXXXX | No | DU | XXXXXXX | 02/XX/2026 | 8 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $27213.00 | 01/XX/2026 | 6.140% | DU | Approve Eligible | No | XX.XX% |  | 6.125% | 6.125% | $5772.30 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $7521.33 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 42.25% | 42.25% | 42.25% | No | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 0 | 1 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 1 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 54 | 25 | Other | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime - 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 821963.19 | 109.3 | 821963.19 | 109.3 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527024 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 15 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $10455.66 | 02/XX/2026 | 6.100% | DU | Approve Eligible | No | XX.XX% |  | 6.375% | 6.375% | $2355.20 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $2751.72 | $XXXXXXXX | N/A | XXXXXXX | XX | $20.83 | XX/XX/XXXX | Annually | 18.35% | 18.35% | 18.35% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified - ["2024"] - 2024 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 123239.01 | 44.8 | 123239.01 | 44.8 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527017 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 03/XX/2026 | 15 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $8585.86 | 02/XX/2026 | 6.100% | LP | Accept Eligible | No | XX.XX% |  | 5.999% | 5.999% | $4024.05 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $4464.90 | $XXXXXXXX | N/A | XXXXXXX | XX | $6.25 | XX/XX/XXXX | Annually | 20.11% | 18.94% | 18.94% | 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% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1341997.15 | 300.6 | 1341997.15 | 300.6 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527007 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 11 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $10013.00 | 02/XX/2026 | 5.990% | LP | Accept Eligible | No | XX.XX% |  | 6.124% | 6.124% | $3098.48 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $4197.48 | $XXXXXXXX | N/A | XXXXXXX | XX | $190.00 | XX/XX/XXXX | Annually | 40.78% | 40.78% | 40.78% | Yes | Yes |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes | Yes | Yes | No | 240.0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion - 1 YR Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - Asset Depletion - 1 YR Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 1 YR Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified - ["2025"] - 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3802.57 | 0.9 | 3802.57 | 0.9 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527011 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 10 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $9437.44 | 03/XX/2026 | 6.220% | DU | Approve Eligible | Yes | XX.XX% |  | 6.500% | 6.500% | $2839.57 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $3039.73 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 28.50% | 28.50% | 28.50% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | 2+ Months | 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% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54595.94 | 18.0 | 54595.94 | 18.0 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527005 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 03/XX/2026 | 7 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $10965.88 | 02/XX/2026 | 6.130% | LP | Accept Eligible | No | XX.XX% |  | 6.124% | 6.124% | $2506.13 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $3349.11 | $XXXXXXXX | Yes | XXXXXXX | XX | $320.00 | XX/XX/XXXX | Monthly | 30.24% | 30.01% | 30.01% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 36 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 817 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 55149.13 | 16.5 | 55149.13 | 16.5 | No | XX.XX% | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527021 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 13 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $5119.04 | 02/XX/2026 | 6.100% | LP | Accept Eligible | Yes | XX.XX% |  | 5.999% | 5.990% | $2493.86 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $2918.56 | $XXXXXXXX | N/A | XXXXXXX | XX | $100.00 | XX/XX/XXXX | Monthly | 38.39% | 38.39% | 38.39% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 36 | 36 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2026","2024"] - 2025, 2026, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2026","2024"] - 2025, 2026, 2024 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9748.50 | 3.3 | 9748.50 | 3.3 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527032 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 03/XX/2026 | 9 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $13250.15 | 02/XX/2026 | 6.100% | LP | Accept Eligible | No | XX.XX% |  | 5.999% | 5.990% | $4046.08 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $5024.90 | $XXXXXXXX | Yes | XXXXXXX | XX | $205.00 | XX/XX/XXXX | Annually | 3.59% | 3.59% | 3.59% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 2 | 0 | 0 | 3 | 1 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, Wage - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2501262.67 | 497.8 | 2501262.67 | 497.8 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527001 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | AUS Jumbo Correspondent | XXXXXXX | 10/XX/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $995.00 | 10/XX/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.125% | 6.125% | $18228.32 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $21392.25 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 24.89% | 27.38% | 27.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1379475.78 | 64.5 | 1379475.78 | 64.5 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527019 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 01/XX/2026 | 03 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $2516.88 | 01/XX/2026 | 6.060% | LP | Accept Eligible | No | XX.XX% |  | 6.375% | 6.375% | $1988.59 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $2668.94 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 35.70% | 36.01% | 36.01% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - ["2024"] - 2024 | Borrower - 1 YR Executed 4506T Verified - ["2024"] - 2024 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20660.85 | 7.7 | 20660.85 | 7.7 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527030 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 07/XX/2025 | 13 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1380.00 | 02/XX/2026 | 6.100% | LP | Accept Eligible | No | XX.XX% |  | 7.000% | 7.000% | $2127.46 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $2704.10 | $XXXXXXXX | N/A | XXXXXXX | XX | $93.33 | XX/XX/XXXX | Annually | 40.77% | 40.77% | 40.77% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 24 | 24 | Work Number | Yes | 360 | 360 | Work Number | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified \|\| Co Borrower - 1 YR Executed 4506T Verified | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 44545.60 | 16.6 | 44545.60 | 16.6 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527018 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 01/XX/2026 | 2 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $5405.97 | 01/XX/2026 | 6.140% | LP | Accept Eligible | No | XX.XX% |  | 6.490% | 6.490% | $1565.39 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $1961.39 | $XXXXXXXX | N/A | XXXXXXX | XX | $255.00 | XX/XX/XXXX | Annually | 28.79% | 28.79% | 28.79% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | Less than 1 Month | Less than 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31297.09 | 16.0 | 31297.09 | 16.0 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527033 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 9 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1900.00 | 02/XX/2026 | 6.100% | DU | Approve Eligible | No | XX.XX% |  | 5.990% | 5.990% | $3031.97 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $4329.80 | $XXXXXXXX | N/A | XXXXXXX | XX | $266.00 | XX/XX/XXXX | Monthly | 30.55% | 30.54% | 30.54% | Yes | Yes |  |  |  |  |  |  | Employed | Retired |  |  |  |  | Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - Other - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 145136.18 | 37.6 | 145136.18 | 37.6 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527022 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 12 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1690.00 | 02/XX/2026 | 6.130% | LP | Accept Eligible | No | XX.XX% |  | 6.624% | 6.624% | $2433.05 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $3121.33 | $XXXXXXXX | N/A | XXXXXXX | XX | $291.00 | XX/XX/XXXX | Monthly | 46.08% | 46.08% | 46.08% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 48 | 46 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] - 2022, 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] - 2022, 2023, 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  | $N/A | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | Yes | No | N/A | 102520.13 | 32.8 | 102520.13 | 32.8 | No | XX.XX% | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  | 24 | Yes | 24 | 12 | 4.624 | 1953.6 | 479.45 | 5.624 | 2187.36 | 245.69 | 0 |  | 0 | Seller | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527035 | PCG AUS Jumbo 2.9.26 | AUS Jumbo Product | XXXXXXX | No | AUS Jumbo Correspondent | XXXXXXX | 02/XX/2026 | NA | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $1990.00 | 02/XX/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.125% | 6.125% | $6720.17 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $8657.51 | $XXXXXXXX | Yes | XXXXXXX | XX | $116.67 | XX/XX/XXXX | Annually | 29.61% | 29.61% | 29.61% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 364359.53 | 42.1 | 364359.53 | 42.1 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527012 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 2 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1590.00 | 01/XX/2026 | 6.170% | LP | Accept Eligible | No | XX.XX% |  | 6.490% | 6.490% | $1995.26 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $2591.03 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 30.56% | 30.94% | 30.94% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 49 | 24 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 590249.62 | 227.8 | 590249.62 | 227.8 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527020 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 5 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1500.00 | 01/XX/2026 | 6.060% | DU | Approve Eligible | No | XX.XX% |  | 6.000% | 6.000% | $1642.77 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $2196.97 | $XXXXXXXX | N/A | XXXXXXX | XX | $165.00 | XX/XX/XXXX | Annually | 30.97% | 30.97% | 30.97% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement - 1 YR W2 1099 Verified, 2 YRS IRS Transcripts Verified - ["2025","2026"] - 2025, 2026 | Borrower - 2 YRS IRS Transcripts Verified - ["2025","2026"] - 2025, 2026 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 79064.82 | 36.0 | 79229.83 | 36.1 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527036 | Penny Mac: Jumbo 30 Year Fixed | Penny Mac: Jumbo 30 Year Fixed | XXXXXXX | No | XXX AUS Jumbo 5.9.25 | XXXXXXX | 05/XX/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $2369.75 | 02/XX/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.125% | 6.125% | $6196.42 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $7659.09 | $XXXXXXXX | N/A | XXXXXXX | XX | $155.00 | XX/XX/XXXX | Annually | 36.96% | 36.96% | 36.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 355 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 292618.39 | 38.2 | 292618.39 | 38.2 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527010 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 7 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $0.00 | 01/XX/2026 | 6.060% | DU | Approve Eligible | Yes | XX.XX% |  | 7.500% | 7.500% | $3719.82 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $4076.33 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 32.82% | 32.41% | 32.41% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Military and Government Assistance, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 798784.45 | 196.0 | 798784.45 | 196.0 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527028 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 4 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1330.00 | 02/XX/2026 | 6.130% | DU | Approve Eligible | No | XX.XX% |  | 6.125% | 6.125% | $3888.71 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $4355.62 | $XXXXXXXX | N/A | XXXXXXX | XX | $62.08 | XX/XX/XXXX | Annually | 41.66% | 41.64% | 41.64% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 25 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 42447.93 | 9.8 | 42447.93 | 9.8 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527008 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 13 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1695.00 | 02/XX/2026 | 6.100% | LP | Accept Eligible | No | XX.XX% |  | 6.250% | 6.250% | $2659.90 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $3138.98 | $XXXXXXXX | N/A | XXXXXXX | XX | $45.00 | XX/XX/XXXX | Monthly | 47.50% | 47.49% | 47.49% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 40 | 26 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 91515.28 | 29.2 | 91515.28 | 29.2 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527029 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 14 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $9955.57 | 01/XX/2026 | 6.140% | DU | Approve Eligible | No | XX.XX% |  | 6.500% | 6.500% | $2274.94 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $3479.23 | $XXXXXXXX | N/A | XXXXXXX | XX | $398.00 | XX/XX/XXXX | Monthly | 46.28% | 46.28% | 46.28% | Yes | Yes |  |  |  |  |  |  | Employed | Retired |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 25 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, SSI and Disability, Retirement - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 816402.83 | 234.7 | 816402.83 | 234.7 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527023 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 01 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $500.00 | 02/XX/2026 | 6.100% | LP | Accept Eligible | No | XX.XX% |  | 5.500% | 5.500% | $2339.26 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $3584.87 | $XXXXXXXX | N/A | XXXXXXX | XX | $559.75 | XX/XX/XXXX | Monthly | 39.46% | 39.48% | 39.48% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 27 | 24 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1575100.04 | 439.4 | 1575100.04 | 439.4 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527015 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 01/XX/2026 | 07 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1395.00 | 02/XX/2026 | 6.100% | LP | Accept Eligible | Yes | XX.XX% |  | 6.500% | 6.500% | $3413.17 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $6801.82 | $XXXXXXXX | Yes | XXXXXXX | XX | $1506.00 | XX/XX/XXXX | Monthly | 31.34% | 35.68% | 35.68% | Yes | Yes |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Retirement, Retirement - 1 YR Executed 4506T Verified, Award Letter Verified - ["2025","2024","2026"] - 2025, 2024, 2026 \|\| Co Borrower - Retirement, Retirement - 1 YR Executed 4506T Verified, Award Letter Verified - ["2025","2024","2026"] - 2025, 2024, 2026 | Borrower - 1 YR Executed 4506T Verified - ["2025","2024","2026"] - 2025, 2024, 2026 \|\| Co Borrower - 1 YR Executed 4506T Verified - ["2025","2024","2026"] - 2025, 2024, 2026 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6755.72 | 1.0 | 6755.72 | 1.0 | No | XX.XX% | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527031 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 12.0 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $3366.20 | 01/XX/2026 | 6.140% | DU | Approve Eligible | No | XX.XX% |  | 5.990% | 5.990% | $1686.52 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $1906.90 | $XXXXXXXX | N/A | XXXXXXX | XX | $8.33 | XX/XX/XXXX | Annually | 28.68% | 28.68% | 28.68% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 3 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1214980.46 | 637.2 | 1214980.46 | 637.2 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527014 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 12.0 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1390.00 | 02/XX/2026 | 6.130% | DU | Approve Eligible | No | XX.XX% |  | 6.490% | 6.490% | $3385.94 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $4096.02 | $XXXXXXXX | N/A | XXXXXXX | XX | $126.25 | XX/XX/XXXX | Annually | 33.18% | 33.18% | 33.18% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 90 | 90 | Work Number | Yes | 359 | 359 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2021","2022","2023","2024"] - 2021, 2022, 2023, 2024 \|\| Co Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2021","2022","2023","2024"] - 2021, 2022, 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2021","2022","2023","2024"] - 2021, 2022, 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2021","2022","2023","2024"] - 2021, 2022, 2023, 2024 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 241414.24 | 58.9 | 241414.24 | 58.9 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527013 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 5 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $7535.00 | 02/XX/2026 | 6.100% | DU | Approve Eligible | No | XX.XX% |  | 6.375% | 6.375% | $3275.32 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $3997.40 | $XXXXXXXX | N/A | XXXXXXX | XX | $41.67 | XX/XX/XXXX | Annually | 26.28% | 26.41% | 26.41% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 360 | 360 | Other | Yes | 267 | 267 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime - Written VOE Verified, 1 YR Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - Wage - Written VOE Verified, 1 YR Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 1 YR Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - 1 YR Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 73972.22 | 18.5 | 73972.22 | 18.5 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527006 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 01/XX/2026 | 6 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $3360.00 | 02/XX/2026 | 6.100% | LP | Accept Eligible | No | XX.XX% |  | 6.500% | 6.500% | $1633.26 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $2078.19 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 49.41% | 49.40% | 49.40% | Yes | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Wage, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2024","2025"] - 2026, 2024, 2025 \|\| Co Borrower - Wage, SEPartnership - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2024","2025"] - 2026, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2024","2025"] - 2026, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2024","2025"] - 2026, 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20048.31 | 9.7 | 20048.31 | 9.7 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527026 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 16 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1940.00 | 11/XX/2025 | 6.260% | LP | Accept Eligible | No | XX.XX% |  | 5.875% | 5.875% | $2011.23 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $3052.25 | $XXXXXXXX | Yes | XXXXXXX | XX | $394.47 | XX/XX/XXXX | Monthly | 42.67% | 42.67% | 42.67% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 155 | 24 | Work Number | Yes | 57 | 25 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - Wage, Commission - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 94239.46 | 30.9 | 94239.46 | 30.9 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527004 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 03/XX/2026 | 9 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1940.00 | 02/XX/2026 | 5.990% | DU | Approve Eligible | No | XX.XX% |  | 5.875% | 5.875% | $1892.92 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $2915.41 | $XXXXXXXX | N/A | XXXXXXX | XX | $394.47 | XX/XX/XXXX | Monthly | 22.43% | 22.43% | 22.43% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 132 | 26 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 524268.74 | 179.8 | 524268.74 | 179.8 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527003 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 5 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $3725.92 | 02/XX/2026 | 6.100% | DU | Approve Eligible | No | XX.XX% |  | 6.500% | 6.500% | $1377.91 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $1785.54 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 25.27% | 25.27% | 25.27% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2026","2025","2024","2023","2022"] - 2026, 2025, 2024, 2023, 2022 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024","2023","2022"] - 2026, 2025, 2024, 2023, 2022 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 227694.65 | 127.5 | 227694.65 | 127.5 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527016 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 9 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $0.00 | 01/XX/2026 | 6.170% | DU | Approve Eligible | Yes | XX.XX% |  | 6.625% | 6.625% | $1951.67 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $3059.82 | $XXXXXXXX | Yes | XXXXXXX | XX | $614.12 | XX/XX/XXXX | Monthly | 24.54% | 24.55% | 24.55% | Yes | Yes |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - Other - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 61811.75 | 20.2 | 61811.75 | 20.2 | No | XX.XX% | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527027 | Agency | DU | XXXXXXX | No | AUS | XXXXXXX | 03/XX/2026 | 9 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1195.00 | 01/XX/2026 | 6.190% | DU | Approve Eligible | No | XX.XX% |  | 6.490% | 6.490% | $1818.46 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $2593.46 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 36.27% | 36.27% | 36.27% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9211.46 | 3.6 | 287715.01 | 110.9 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527002 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 7 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $5089.76 | 02/XX/2026 | 6.100% | LP | Accept Eligible | No | XX.XX% |  | 6.375% | 7.625% | $1771.79 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $2342.96 | $XXXXXXXX | Yes | XXXXXXX | XX | $294.54 | XX/XX/XXXX | Monthly | 39.19% | 39.19% | 39.19% | Yes | Yes |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Other - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2026"] - 2026 \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2026"] - 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2026"] - 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2026"] - 2026 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 817 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1317033.44 | 562.1 | 1317033.44 | 562.1 | No | XX.XX% | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |
| XXXXXX | XXXXXX | XXXXXX | 20260527009 | Agency | LP | XXXXXXX | No | AUS | XXXXXXX | 02/XX/2026 | 7 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $3921.60 | 02/XX/2026 | 6.130% | LP | Accept Eligible | Yes | XX.XX% |  | 6.625% | 6.625% | $4559.01 | No | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $4989.77 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 31.96% | 31.96% | 31.96% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9541.41 | 1.9 | 9541.41 | 1.9 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |

---

## Exhibit 99.4

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527017 | 0549-162 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527017 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.94 | 20.10 | DTI is 20.11%. DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527007 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.78 | 41.42 | DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527011 | 0549-162 | Note Date | notePage | XX/XX/XXXX  | XX/XX/XXXX  | Audit Value Pulled From Note. |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527005 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.01 | 30.24 | Audit reflects difference in subject homeowner's insurance per documents in the loan file.  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527001 | 0549-152 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.38 | 27.36 | DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527019 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.01 | 34.79 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527030 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.77 | 40.76 | Rounding. |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527018 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.79 | 28.80 | 1008 DTI 28.795 is Audit value based on documents located in the loan file. |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527010 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.41 | 32.88 | DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527028 | 0549-162 | Property Type | propertyValuationPage | PUD | Condominium | Audit Value Pulled From Appraisal. |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527028 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.64 | 41.60 | DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527008 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.49 | 47.50 | Rounding.  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527023 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.48 | 38.85 | Audit reflects difference in subject HOA Dues per documents in the loan file.  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527013 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.41 | 26.28 | DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527006 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.4 | 49.41 | Rounding |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527003 | 0549-162 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.27 | 23.75 | Tape data is incorrect. Final 1008 reflects 25.272%. |

---

## Exhibit 99.4

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt 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** | **Original AVM Confidence Score** | **Original AVM FSD** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **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** | **Most Recent AVM Confidence Score** | **Most Recent AVM FSD** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527025 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Loan Collateral Advisor (LCA) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX<br> Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527034 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Desk Review | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527024 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Loan Collateral Advisor (LCA) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX<br> Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527017 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527007 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Loan Collateral Advisor (LCA) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX<br> Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527011 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | None - Appraisal Waiver | $XXXXXX | XX.XX% | XX.XX% |  |  |  |  |  |  | Broker Price Opinion (BPO) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527005 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527021 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | None - Appraisal Waiver | $XXXXXX | XX.XX% | XX.XX% |  |  |  |  |  |  | 2055 Exterior Only Inspection Report | $XXXXXX | $XXXXXX | -.0084 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0084 | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527032 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527001 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Desk Review | $XXXXXX | $XXXXXX | -.0441 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0441 | XXXXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527019 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 | Desk Review | $XXXXXX | $XXXXXX | -.0341 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0341 | XXXXXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527030 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 | Desk Review | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527018 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 | Desk Review | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527033 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 | Desk Review | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527022 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXXXXX | XX.XX% | XX.XX% |  |  | Loan Collateral Advisor (LCA) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX<br> Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527035 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Desk Review | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527012 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  |  |  |  |  | Desk Review | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527020 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527036 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Desk Review | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527010 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | None - Appraisal Waiver | $XXXXXX | XX.XX% | XX.XX% |  |  |  |  |  |  | 2055 Exterior Only Inspection Report | $XXXXXX | $XXXXXX | .0977 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0977 | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527028 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527008 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527029 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527023 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 | Desk Review | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527015 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | None - Appraisal Waiver | $XXXXXX | XX.XX% | XX.XX% |  |  |  |  |  |  | 2055 Exterior Only Inspection Report | $XXXXXX | $XXXXXX | -.0521 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0521 | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527031 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527014 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Desk Review | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527013 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527006 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 | Desk Review | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527026 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527004 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527003 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527016 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | None - Appraisal Waiver | $XXXXXX | XX.XX% | XX.XX% |  |  |  |  |  |  | 2055 Exterior Only Inspection Report | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527027 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527002 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXXXXX | XX.XX% | XX.XX% |  |  | Desk Review | $XXXXXX | $XXXXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXX | 20260527009 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | None - Appraisal Waiver | $XXXXXX | XX.XX% | XX.XX% |  |  |  |  |  |  | 2055 Exterior Only Inspection Report | $XXXXXX | $XXXXXX | -.0622 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0622 | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt 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?** |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527034 | Closed | 2026-03-17 09:53 | 2026-03-30 10:32 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received evidence of receipt of initial CD. Condition cleared. - Due Diligence Vendor-03/30/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Seller-03/27/2026 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Loan file does not document when the initial Closing Disclosure was delivered to the borrowers. - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/27/2026<br>| Resolved-Received evidence of receipt of initial CD. Condition cleared. - Due Diligence Vendor-03/30/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/30/2026<br>| XXXXX XXXXXXXXX ICd tracking.pdf |  |  | XX | Primary Residence | Purchase | NA | 8151320 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527017 | Closed | 2026-03-30 11:03 | 2026-04-23 09:57 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Received updated 1004 to include subject is not in PUD and has only voluntary HOA dues. Condition cleared. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. The property does not have mandatory dues and is not part of a PUD. The HOA is 100% voluntary so no PUD rider needed. - Seller-04/22/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. The property does not have mandatory dues and is not part of a PUD. The HOA is 100% voluntary so no PUD rider needed. - Seller-04/22/2026<br>| Resolved-Received updated 1004 to include subject is not in PUD and has only voluntary HOA dues. Condition cleared. - Due Diligence Vendor-04/23/2026<br>| XXXXXXXXX.pdf |  |  | XX | Second Home | Purchase | NA | 8386400 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527017 | Closed | 2026-04-01 09:49 | 2026-04-16 13:35 | Resolved | 1 - Information | Property | Missing Doc | Incomplete Appraisal (Property) | Resolved-Received complete appraisal with photos. Condition cleared. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. Appraisal in file with photos. See attachment - Seller-04/15/2026 <br>Open-All pages of appraisal were not provided. The appraisal in file is missing all exterior and interior pictures. Please provide a complete appraisal with photo's. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. Appraisal in file with photos. See attachment - Seller-04/15/2026<br>| Resolved-Received complete appraisal with photos. Condition cleared. - Due Diligence Vendor-04/16/2026<br>| XXXXXXXXX - Appraisal with Pics.pdf |  |  | XX | Second Home | Purchase | NA | 8428605 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527011 | Closed | 2026-04-13 22:08 | 2026-04-29 11:12 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026 <br>Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-04/14/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 8638657 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527011 | Closed | 2026-04-12 04:52 | 2026-04-28 10:13 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-04/12/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026<br>| XXXXXXXXX.pdf |  |  | XX | Second Home | Purchase | NA | 8610413 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527021 | Closed | 2026-04-02 10:05 | 2026-05-01 17:40 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Document Uploaded. A valid secondary valuation supporting the origination appraisal value provided (2055). Condition Resolved. - Due Diligence Vendor-05/01/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-04/02/2026 |  | Resolved-Document Uploaded. A valid secondary valuation supporting the origination appraisal value provided (2055). Condition Resolved. - Due Diligence Vendor-05/01/2026<br>| XXXXXXXXX.pdf |  |  | XX | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8453807 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527021 | Closed | 2026-03-25 13:17 | 2026-04-29 11:12 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026 <br>Open-Value grade equals B, loan approved with a PIW. Acknowledged - Due Diligence Vendor-03/25/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026<br>|  |  |  | XX | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8317354 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527021 | Closed | 2026-04-02 11:15 | 2026-04-17 10:13 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-04/17/2026 <br> Resolved-Resolved - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/16/2026 <br> Counter-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X,XXX.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fee variance due to an increase in Broker fees $X,XXX.XX and transfer taxes $X,XXX.XX from baseline amount to Final CD. Condition remains. - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. - Seller-04/14/2026 <br> Open- - Due Diligence Vendor-04/03/2026 <br> Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X,XXX.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC is missing for Loan Amount Increase and dependent fees. - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/16/2026 <br>Ready for Review-Document Uploaded. - Seller-04/14/2026<br>| Resolved-Received COC. Condition cleared. - Due Diligence Vendor-04/17/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/17/2026<br>| XXXXXXXXX coc.pdf<br> XXXXXXXXX coc.pdf |  |  | XX | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8456254 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527021 | Closed | 2026-04-02 11:15 | 2026-04-17 10:13 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-04/17/2026 <br> Resolved-Resolved - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/16/2026 <br> Counter-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X,XXX.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fee variance due to an increase in Broker fees $X,XXX.XX and transfer taxes $X,XXX.XX from baseline amount to Final CD. Condition remains. - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. - Seller-04/14/2026 <br> Open- - Due Diligence Vendor-04/03/2026 <br> Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X,XXX.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC is missing for Loan Amount Increase and dependent fees. - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/16/2026 <br>Ready for Review-Document Uploaded. - Seller-04/14/2026<br>| Resolved-Received COC. Condition cleared. - Due Diligence Vendor-04/17/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/17/2026<br>| XXXXXXXXX coc.pdf<br> XXXXXXXXX coc.pdf |  |  | XX | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8456253 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527001 | Closed | 2026-04-27 14:08 | 2026-04-27 14:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/27/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/27/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 8901790 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527001 | Closed | 2026-01-20 15:56 | 2026-04-14 13:58 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-Received PCCD with evidence of cure by way of Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Condition cured. The finding will be deemed non-material. <br> - Due Diligence Vendor-04/14/2026 <br> Ready for Review- - Due Diligence Vendor-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Please see uploaded cure documents. - Seller-04/09/2026 <br> Counter-PCCD and final Settlement Statement considered and refund amount is $X,XXX.XX. Condition maintained. - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open-The disclosed finance charge ($X,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $X,XXX.XX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Counter-Lender provided an ALTA and LOE for the mobile notary signing portion of the Escrow Closing Fee. The ALTA indicates $X,XXX.XX was for XXX. Lender previously excluded the Settlement/Closing Cost fees totaling $X,XXX.XX. Subject remains more than $X,XXX.XX under disclosed. The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $X,XXX.XX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-02/20/2026 <br> Ready for Review-The disclosed finance charge ($X,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $X,XXX.XX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Counter-Compliance will be resubmitted when the audit receives the final CD consistent with the final Alta Settlement Statement. Condition remains. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Document Uploaded. Not Valid - LOE regarding settlement fee - Seller-02/06/2026 <br> Open-The disclosed finance charge ($X,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $X,XXX.XX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) It appears the lender did not include the Settlement/Closing fee in the amount of $X,XXX.XX in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower.<br>- Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. Please see uploaded cure documents. - Seller-04/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/20/2026 <br>Ready for Review-Document Uploaded. Not Valid - LOE regarding settlement fee - Seller-02/06/2026<br>| Cured-Received PCCD with evidence of cure by way of Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Condition cured. The finding will be deemed non-material. <br> - Due Diligence Vendor-04/14/2026<br>| XXXXX XXXXXXXXX.pdf<br> XXXXX XXXXXXXXX Post CD.pdf<br> ALTA Statement_Final_XXXXXXXXX.pdf<br> CD_Post-Close3_XXXXXXXXX.pdf<br> XXXXXXXXX Post-Close_Check, CD, Letter, Ship Label_XXXXXXXXX.pdf<br> XXXXXXXXX XXXXXXXXX.pdf |  |  | XX | Second Home | Purchase | NA | 7188900 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527001 | Closed | 2026-01-20 15:56 | 2026-02-20 14:39 | Resolved | 1 - Information | Compliance | Mavent | Fees: Limited | Resolved-Received Final Alta Settlement Statement/PCCD. Condition Resolved. - Due Diligence Vendor-02/20/2026 <br>Counter- - Due Diligence Vendor-02/20/2026 <br>Counter-Received Final Alta Settlement Statement that does reflect a Foreclosure fee. This fee and other fees do not match the latest CD in the loan file dated 12/01/2025. Please provide the final CD corresponding to the final settlement statement. Condition remains. - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Not Valid - Final Alta statement reflects Foreclosure Prevention fee - Seller-02/06/2026 <br>Open- - Due Diligence Vendor-01/22/2026 <br>Open- - Due Diligence Vendor-01/21/2026 <br>Open- - Due Diligence Vendor-01/21/2026 <br>Open-Washington requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) - Due Diligence Vendor-01/20/2026 <br>Open- - Due Diligence Vendor-01/20/2026 | Ready for Review-Not Valid - Final Alta statement reflects Foreclosure Prevention fee - Seller-02/06/2026<br>| Resolved-Received Final Alta Settlement Statement/PCCD. Condition Resolved. - Due Diligence Vendor-02/20/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 7188899 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527001 | Closed | 2026-01-22 17:13 | 2026-01-30 10:45 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Received CDA. Condition cleared. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Received CDA. Condition cleared. - Due Diligence Vendor-01/30/2026<br>| XXXXXXXXX CDA.pdf |  |  | XX | Second Home | Purchase | NA | 7256884 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527019 | Closed | 2026-04-27 19:46 | 2026-04-29 11:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/28/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 8907449 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527019 | Closed | 2026-04-07 12:45 | 2026-04-27 19:46 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-04/07/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026<br>| XXXXXXXXX_RDA.pdf |  |  | XX | Second Home | Purchase | NA | 8530587 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527030 | Closed | 2026-04-27 19:59 | 2026-04-29 11:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/28/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 8907819 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527030 | Closed | 2026-04-07 06:42 | 2026-04-27 19:59 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-04/07/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026<br>| XXXXXXXXX_RDA.pdf |  |  | XX | Second Home | Purchase | NA | 8521010 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527018 | Closed | 2026-04-27 20:01 | 2026-04-29 11:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/28/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 8907852 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527018 | Closed | 2026-03-27 13:41 | 2026-04-27 20:02 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/27/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026<br>| XXXXXXXXX_RDA.pdf |  |  | XX | Second Home | Purchase | NA | 8365383 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527033 | Closed | 2026-04-27 20:04 | 2026-04-29 11:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/28/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 8907860 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527033 | Closed | 2026-04-06 05:57 | 2026-04-27 20:05 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-04/06/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026<br>| XXXXXXXXX_RDA.pdf |  |  | XX | Second Home | Purchase | NA | 8495730 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527012 | Closed | 2026-03-27 14:13 | 2026-04-27 20:11 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. . - Due Diligence Vendor-03/31/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026<br>| XXXXXXXXX_RDA.pdf |  |  | XX | Second Home | Purchase | NA | 8366207 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527020 | Closed | 2026-04-02 14:27 | 2026-04-14 14:07 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-Lender provided evidence of tolerance cure. Finding will be rated a B for all agencies. - Due Diligence Vendor-04/14/2026 <br> Open-. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/10/2026 <br> Open-The disclosed finance charge ($X,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $X,XXX.XX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/10/2026<br>| Cured-Lender provided evidence of tolerance cure. Finding will be rated a B for all agencies. - Due Diligence Vendor-04/14/2026<br>| XXXXXXXXX.pdf |  |  | XX | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8460946 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527020 | Closed | 2026-04-02 14:27 | 2026-04-14 13:59 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Lender provided evidence of refund for credit report charge. Finding will be rated a B for all agencies. - Due Diligence Vendor-04/14/2026 <br> Cured-Lender provided evidence of refund for credit report charge. Finding will be graded B. - Due Diligence Vendor-04/14/2026 <br> Resolved- - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/10/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/10/2026<br>| Cured-Lender provided evidence of refund for credit report charge. Finding will be rated a B for all agencies. - Due Diligence Vendor-04/14/2026 <br>Cured-Lender provided evidence of refund for credit report charge. Finding will be graded B. - Due Diligence Vendor-04/14/2026 <br>Resolved- - Due Diligence Vendor-04/14/2026<br>| XXXXXXXXX .pdf |  |  | XX | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8460947 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527020 | Closed | 2026-04-02 14:27 | 2026-04-14 13:59 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Lender provided evidence of refund for credit report charge. Finding will be rated a B for all agencies. - Due Diligence Vendor-04/14/2026 <br> Cured-Lender provided evidence of refund for credit report charge. Finding will be graded B. - Due Diligence Vendor-04/14/2026 <br> Resolved- - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/10/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/10/2026<br>| Cured-Lender provided evidence of refund for credit report charge. Finding will be rated a B for all agencies. - Due Diligence Vendor-04/14/2026 <br>Cured-Lender provided evidence of refund for credit report charge. Finding will be graded B. - Due Diligence Vendor-04/14/2026 <br>Resolved- - Due Diligence Vendor-04/14/2026<br>| XXXXXXXXX .pdf |  |  | XX | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8460948 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527010 | Closed | 2026-04-08 09:49 | 2026-04-30 10:17 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-04/30/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/30/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-04/08/2026 |  | Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-04/30/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/30/2026<br>| XXXXXXXXX.pdf |  |  | XX | Second Home | Purchase | NA | 8548999 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527010 | Closed | 2026-03-27 11:11 | 2026-04-29 11:12 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026 <br>Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/27/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 8361588 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527023 | Closed | 2026-04-01 06:13 | 2026-04-29 11:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/28/2026 <br> Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-04/01/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026 <br>Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-04/01/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 8423165 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527023 | Closed | 2026-03-27 13:33 | 2026-04-27 20:35 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/27/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026<br>| XXXXXXXXX_RDA.pdf |  |  | XX | Second Home | Purchase | NA | 8365042 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527015 | Closed | 2026-04-07 10:30 | 2026-04-30 11:01 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-04/30/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/30/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-04/07/2026 |  | Resolved-Document Uploaded. Received 2055. Condition cleared. - Due Diligence Vendor-04/30/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/30/2026<br>| XXXXXXXXX-2055.pdf |  |  | XX | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8527483 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527015 | Closed | 2026-03-25 09:06 | 2026-03-25 09:06 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. Acknowledged - Due Diligence Vendor-03/25/2026 |  | Acknowledged-Value grade equals B, loan approved with a PIW. Acknowledged - Due Diligence Vendor-03/25/2026<br>|  |  |  | XX | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8311140 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527014 | Closed | 2026-03-26 13:25 | 2026-04-08 12:44 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/26/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/26/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 8341615 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527006 | Closed | 2026-04-27 20:54 | 2026-04-29 11:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026 <br> Open-Document Uploaded. - Due Diligence Vendor-04/28/2026 <br> Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/28/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026<br>| XXXXXXXXX_RDA.pdf |  |  | XX | Second Home | Purchase | NA | 8908165 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527006 | Closed | 2026-03-27 14:05 | 2026-04-27 20:55 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/27/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/28/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 8365831 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527004 | Closed | 2026-03-30 09:58 | 2026-04-16 13:40 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Received e-consent. Condition cleared. - Due Diligence Vendor-04/16/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. - Seller-04/15/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. - Seller-04/15/2026<br>| Resolved-Received e-consent. Condition cleared. - Due Diligence Vendor-04/16/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-04/16/2026<br>| XXXXXXXXX consent.pdf |  |  | XX | Second Home | Purchase | NA | 8384354 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527016 | Closed | 2026-03-27 12:06 | 2026-05-01 12:10 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Document Uploaded. A valid secondary valuation supporting the origination appraisal value provided (2055). Condition Resolved. - Due Diligence Vendor-05/01/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/27/2026 |  | Resolved-Document Uploaded. A valid secondary valuation supporting the origination appraisal value provided (2055). Condition Resolved. - Due Diligence Vendor-05/01/2026<br>| XXXXXXXXX-2055.pdf |  |  | XX | Second Home | Purchase | NA | 8362665 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527016 | Closed | 2026-03-27 12:41 | 2026-04-29 11:12 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026 <br>Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/27/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 8363797 | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527009 | Closed | 2026-03-30 05:01 | 2026-05-05 14:49 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Document Uploaded. A valid secondary valuation supporting the origination appraisal value received (2055). - Due Diligence Vendor-05/05/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/30/2026 |  | Resolved-Document Uploaded. A valid secondary valuation supporting the origination appraisal value received (2055). - Due Diligence Vendor-05/05/2026<br>| XXXXXXXXX-2055.pdf |  |  | XX | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8380015 | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | 20260527009 | Closed | 2026-03-27 14:18 | 2026-04-29 11:12 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026 <br>Open-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/27/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-04/29/2026<br>|  |  |  | XX | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8366344 | Investor Post-Close | No |

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